Home > Financial Security Bank > Performance and Condition Ratios
Financial Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9956% | 638 |
| Cost of funding earning assets | 1.5080% | 1,922 |
| Net interest margin | 4.4876% | 631 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.7585% | 1,602 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9139% | 2,503 |
| Return on assets (ROA) | 0.9139% | 2,469 |
| Pretax return on assets | 1.2279% | 2,068 |
| Return on Equity (ROE) | 5.5500% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.5466% | 2,395 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0474% | 2,473 |
| Assets per employee ($millions) | 7.1302% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4766% | 4,350 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.0200% | 529 |
| Net loans and leases to deposits | 113.8882% | 137 |
| Net loans and leases to core deposits | 117.5303% | 700 |
| Total domestic deposits to total assets | 71.1400% | 4,256 |
| Equity capital to assets | 16.4772% | 423 |
| Core capital (leverage) ratio | 9.3996% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4881% | 2,723 |
| Memoranda: | ||
| Average total assets | $143,337,600 | 3,431 |
| Average earning assets | $123,272,800 | 3,514 |
| Average equity | $23,618,000 | 2,590 |
| Average total loans | $113,417,000 | 3,014 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 657 |
| Cost of funding earning assets | 1.4342% | 1,780 |
| Net interest margin | 4.3925% | 708 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.8352% | 1,356 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.8334% | 2,920 |
| Return on assets (ROA) | 0.8334% | 2,907 |
| Pretax return on assets | 1.1025% | 2,559 |
| Return on Equity (ROE) | 5.0600% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,914 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6905% | 2,047 |
| Assets per employee ($millions) | 6.1106% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 4,372 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 81.0100% | 536 |
| Net loans and leases to deposits | 112.4322% | 156 |
| Net loans and leases to core deposits | 115.7863% | 670 |
| Total domestic deposits to total assets | 72.0500% | 4,252 |
| Equity capital to assets | 16.3731% | 424 |
| Core capital (leverage) ratio | 9.2113% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9476% | 2,832 |
| Memoranda: | ||
| Average total assets | $141,738,500 | 3,451 |
| Average earning assets | $121,780,500 | 3,537 |
| Average equity | $23,354,500 | 2,599 |
| Average total loans | $111,297,000 | 3,041 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7019% | 635 |
| Cost of funding earning assets | 1.3621% | 1,550 |
| Net interest margin | 4.3399% | 760 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.0464% | 968 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.6296% | 3,507 |
| Return on assets (ROA) | 0.6296% | 3,517 |
| Pretax return on assets | 0.8351% | 3,314 |
| Return on Equity (ROE) | 3.8100% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.8124% | 3,249 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.9635% | 1,459 |
| Assets per employee ($millions) | 5.8536% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 4,406 |
| Loan loss allowance to noncurrent loans | 1,758.0645% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,610 |
| Noncurrent loans to loans | 0.0267% | 3,565 |
| Net loans and leases to total assets | 78.8900% | 748 |
| Net loans and leases to deposits | 118.4734% | 104 |
| Net loans and leases to core deposits | 120.9610% | 491 |
| Total domestic deposits to total assets | 66.5900% | 4,428 |
| Equity capital to assets | 16.1739% | 429 |
| Core capital (leverage) ratio | 9.2481% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0759% | 2,836 |
| Memoranda: | ||
| Average total assets | $140,099,667 | 3,476 |
| Average earning assets | $119,819,000 | 3,575 |
| Average equity | $23,135,333 | 2,617 |
| Average total loans | $108,607,667 | 3,070 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5825% | 548 |
| Cost of funding earning assets | 1.2448% | 1,353 |
| Net interest margin | 4.3378% | 760 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 3.1158% | 909 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.5315% | 3,829 |
| Return on assets (ROA) | 0.5315% | 3,788 |
| Pretax return on assets | 0.6804% | 3,700 |
| Return on Equity (ROE) | 3.1800% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.1834% | 3,466 |
| Net charge-offs to loans | -0.0114% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.7718% | 927 |
| Assets per employee ($millions) | 5.5665% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4085% | 4,494 |
| Loan loss allowance to noncurrent loans | 1,409.6774% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,585 |
| Noncurrent loans to loans | 0.0290% | 3,553 |
| Net loans and leases to total assets | 76.5500% | 921 |
| Net loans and leases to deposits | 113.4212% | 132 |
| Net loans and leases to core deposits | 115.8926% | 541 |
| Total domestic deposits to total assets | 67.4900% | 4,464 |
| Equity capital to assets | 16.8444% | 353 |
| Core capital (leverage) ratio | 9.4169% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4129% | 2,878 |
| Memoranda: | ||
| Average total assets | $136,979,000 | 3,545 |
| Average earning assets | $116,649,500 | 3,651 |
| Average equity | $22,868,500 | 2,658 |
| Average total loans | $104,917,000 | 3,149 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 997 |
| Cost of funding earning assets | 0.4607% | 1,647 |
| Net interest margin | 3.8758% | 1,013 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.6183% | 1,780 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.4527% | 4,165 |
| Return on assets (ROA) | 0.4527% | 4,123 |
| Pretax return on assets | 0.7250% | 3,800 |
| Return on Equity (ROE) | 2.9000% | 4,302 |
| Retained earnings to average equity (ytd only) | 2.9017% | 3,748 |
| Net charge-offs to loans | 0.0033% | 2,357 |
| Credit loss provision to net charge-offs | 12,866.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 354 |
| Efficiency ratio | 70.1131% | 1,670 |
| Assets per employee ($millions) | 5.8607% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3733% | 4,514 |
| Loan loss allowance to noncurrent loans | 752.9412% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,423 |
| Noncurrent loans to loans | 0.0496% | 3,402 |
| Net loans and leases to total assets | 76.0300% | 1,006 |
| Net loans and leases to deposits | 108.3480% | 189 |
| Net loans and leases to core deposits | 110.6921% | 587 |
| Total domestic deposits to total assets | 70.1700% | 4,471 |
| Equity capital to assets | 16.5406% | 359 |
| Core capital (leverage) ratio | 9.1515% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2231% | 3,041 |
| Memoranda: | ||
| Average total assets | $139,172,200 | 3,542 |
| Average earning assets | $120,904,400 | 3,611 |
| Average equity | $21,711,200 | 2,791 |
| Average total loans | $91,448,800 | 3,272 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 968 |
| Cost of funding earning assets | 0.4174% | 1,175 |
| Net interest margin | 3.7384% | 1,056 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.4410% | 2,187 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7842% | 3,317 |
| Return on assets (ROA) | 0.7842% | 3,267 |
| Pretax return on assets | 0.9724% | 3,100 |
| Return on Equity (ROE) | 5.1000% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.1007% | 3,063 |
| Net charge-offs to loans | 0.0045% | 2,025 |
| Credit loss provision to net charge-offs | 4,066.6667% | 137 |
| Earnings coverage of net charge-offs (x) | 381.6667% | 401 |
| Efficiency ratio | 66.9270% | 2,162 |
| Assets per employee ($millions) | 5.3594% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1258% | 4,631 |
| Loan loss allowance to noncurrent loans | 235.2941% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,510 |
| Noncurrent loans to loans | 0.0535% | 3,495 |
| Net loans and leases to total assets | 74.0600% | 1,088 |
| Net loans and leases to deposits | 93.7737% | 649 |
| Net loans and leases to core deposits | 95.4088% | 1,029 |
| Total domestic deposits to total assets | 78.9800% | 4,180 |
| Equity capital to assets | 17.4041% | 300 |
| Core capital (leverage) ratio | 9.4899% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8361% | 3,061 |
| Memoranda: | ||
| Average total assets | $140,266,250 | 3,556 |
| Average earning assets | $122,653,250 | 3,615 |
| Average equity | $21,565,000 | 2,851 |
| Average total loans | $88,594,750 | 3,320 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 1,287 |
| Cost of funding earning assets | 0.4487% | 696 |
| Net interest margin | 3.3632% | 1,706 |
| Noninterest income to average assets | 0.2886% | 3,446 |
| Noninterest expense to average assets | 2.3365% | 2,439 |
| Loan and lease loss provision to assets | 0.1693% | 538 |
| Net operating income to assets | 0.6271% | 3,548 |
| Return on assets (ROA) | 0.6271% | 3,497 |
| Pretax return on assets | 0.7465% | 3,459 |
| Return on Equity (ROE) | 4.2463% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.2463% | 2,996 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4539% | 2,037 |
| Assets per employee ($millions) | 5.6880% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1349% | 4,699 |
| Loan loss allowance to noncurrent loans | 164.8649% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,416 |
| Noncurrent loans to loans | 0.0818% | 3,372 |
| Net loans and leases to total assets | 69.0472% | 1,391 |
| Net loans and leases to deposits | 82.5921% | 1,206 |
| Net loans and leases to core deposits | 83.9195% | 1,455 |
| Total domestic deposits to total assets | 83.6002% | 3,772 |
| Equity capital to assets | 16.3126% | 312 |
| Core capital (leverage) ratio | 7.2758% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1456% | 3,077 |
| Memoranda: | ||
| Average total assets | $144,144,667 | 3,563 |
| Average earning assets | $127,020,667 | 3,631 |
| Average equity | $21,289,333 | 2,955 |
| Average total loans | $86,333,000 | 3,373 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 2,131 |
| Cost of funding earning assets | 0.4518% | 650 |
| Net interest margin | 2.9324% | 2,727 |
| Noninterest income to average assets | 0.2573% | 3,598 |
| Noninterest expense to average assets | 2.1458% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6498% | 3,230 |
| Return on assets (ROA) | 0.6498% | 3,212 |
| Pretax return on assets | 0.7109% | 3,360 |
| Return on Equity (ROE) | 4.6088% | 3,728 |
| Retained earnings to average equity (ytd only) | 4.6088% | 2,736 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5162% | 1,916 |
| Assets per employee ($millions) | 6.2115% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,546 |
| Noncurrent loans to loans | 0.0874% | 3,402 |
| Net loans and leases to total assets | 56.8180% | 2,438 |
| Net loans and leases to deposits | 69.6488% | 1,993 |
| Net loans and leases to core deposits | 70.4769% | 2,251 |
| Total domestic deposits to total assets | 81.5779% | 4,138 |
| Equity capital to assets | 14.2927% | 479 |
| Core capital (leverage) ratio | 7.3918% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3591% | 3,090 |
| Memoranda: | ||
| Average total assets | $150,804,500 | 3,507 |
| Average earning assets | $133,677,500 | 3,583 |
| Average equity | $21,263,500 | 3,038 |
| Average total loans | $84,273,000 | 3,402 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0297% | 4,835 |
| Cost of funding earning assets | 0.0025% | 4,817 |
| Net interest margin | 0.0272% | 4,833 |
| Noninterest income to average assets | 0.0008% | 4,807 |
| Noninterest expense to average assets | 0.0315% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0054% | 4,684 |
| Return on assets (ROA) | -0.0054% | 4,694 |
| Pretax return on assets | -0.0054% | 4,693 |
| Return on Equity (ROE) | -0.0563% | 4,694 |
| Retained earnings to average equity (ytd only) | -0.0563% | 4,501 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5882% | 65 |
| Assets per employee ($millions) | 6.6319% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,650 |
| Noncurrent loans to loans | 0.0883% | 3,495 |
| Net loans and leases to total assets | 54.9678% | 2,733 |
| Net loans and leases to deposits | 66.9654% | 2,411 |
| Net loans and leases to core deposits | 67.7401% | 2,676 |
| Total domestic deposits to total assets | 82.0839% | 3,953 |
| Equity capital to assets | 13.9117% | 681 |
| Core capital (leverage) ratio | 7.1563% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4041% | 3,078 |
| Memoranda: | ||
| Average total assets | $130,353,000 | 3,683 |
| Average earning assets | $121,410,600 | 3,675 |
| Average equity | $12,440,800 | 3,888 |
| Average total loans | $97,059,200 | 3,236 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 573 |
| Cost of funding earning assets | 0.5990% | 642 |
| Net interest margin | 3.9999% | 796 |
| Noninterest income to average assets | 0.5203% | 2,539 |
| Noninterest expense to average assets | 2.7594% | 1,436 |
| Loan and lease loss provision to assets | 0.1819% | 589 |
| Net operating income to assets | 1.3599% | 1,655 |
| Return on assets (ROA) | 1.3599% | 1,713 |
| Pretax return on assets | 1.3599% | 2,464 |
| Return on Equity (ROE) | 16.5654% | 836 |
| Retained earnings to average equity (ytd only) | -7.2222% | 4,819 |
| Net charge-offs to loans | 0.3281% | 238 |
| Credit loss provision to net charge-offs | 68.8259% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.8421% | 2,207 |
| Efficiency ratio | 64.1580% | 2,362 |
| Assets per employee ($millions) | 5.1095% | 3,592 |
| Cash dividends to net income (ytd only)* | 143.5978% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,261 |
| Loan loss allowance to noncurrent loans | 126.3666% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 1,502 |
| Noncurrent loans to loans | 0.6766% | 1,623 |
| Net loans and leases to total assets | 74.3246% | 665 |
| Net loans and leases to deposits | 85.6743% | 847 |
| Net loans and leases to core deposits | 86.8433% | 1,230 |
| Total domestic deposits to total assets | 86.7525% | 2,446 |
| Equity capital to assets | 8.2641% | 4,376 |
| Core capital (leverage) ratio | 8.1736% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5229% | 2,857 |
| Memoranda: | ||
| Average total assets | $124,808,000 | 3,785 |
| Average earning assets | $117,968,000 | 3,749 |
| Average equity | $10,246,000 | 4,154 |
| Average total loans | $100,363,000 | 3,233 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 522 |
| Cost of funding earning assets | 0.6442% | 592 |
| Net interest margin | 4.0723% | 732 |
| Noninterest income to average assets | 0.4827% | 2,702 |
| Noninterest expense to average assets | 2.8614% | 1,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4785% | 1,353 |
| Return on assets (ROA) | 1.4785% | 1,413 |
| Pretax return on assets | 1.4785% | 2,085 |
| Return on Equity (ROE) | 18.0486% | 648 |
| Retained earnings to average equity (ytd only) | -13.2447% | 4,893 |
| Net charge-offs to loans | 0.0019% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 928.0000% | 142 |
| Efficiency ratio | 65.9325% | 2,165 |
| Assets per employee ($millions) | 5.6845% | 2,919 |
| Cash dividends to net income (ytd only)* | 173.3836% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,146 |
| Loan loss allowance to noncurrent loans | 152.9204% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 1,826 |
| Noncurrent loans to loans | 0.5902% | 1,925 |
| Net loans and leases to total assets | 75.8594% | 602 |
| Net loans and leases to deposits | 89.5227% | 676 |
| Net loans and leases to core deposits | 89.7412% | 1,157 |
| Total domestic deposits to total assets | 84.7376% | 3,204 |
| Equity capital to assets | 7.9994% | 4,534 |
| Core capital (leverage) ratio | 7.9616% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4707% | 2,863 |
| Memoranda: | ||
| Average total assets | $125,535,000 | 3,788 |
| Average earning assets | $118,899,667 | 3,749 |
| Average equity | $10,283,333 | 4,170 |
| Average total loans | $103,174,667 | 3,215 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 403 |
| Cost of funding earning assets | 0.6890% | 572 |
| Net interest margin | 4.2279% | 577 |
| Noninterest income to average assets | 0.4357% | 2,896 |
| Noninterest expense to average assets | 2.5156% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9209% | 639 |
| Return on assets (ROA) | 1.9209% | 687 |
| Pretax return on assets | 1.9209% | 1,080 |
| Return on Equity (ROE) | 23.1795% | 328 |
| Retained earnings to average equity (ytd only) | -20.7618% | 4,922 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7025% | 3,466 |
| Assets per employee ($millions) | 5.6874% | 2,928 |
| Cash dividends to net income (ytd only)* | 189.5695% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 4,351 |
| Loan loss allowance to noncurrent loans | 115.5288% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 1,601 |
| Noncurrent loans to loans | 0.7152% | 1,810 |
| Net loans and leases to total assets | 82.7856% | 192 |
| Net loans and leases to deposits | 100.6931% | 269 |
| Net loans and leases to core deposits | 102.2497% | 626 |
| Total domestic deposits to total assets | 82.2158% | 3,848 |
| Equity capital to assets | 8.1137% | 4,423 |
| Core capital (leverage) ratio | 7.9227% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4632% | 3,070 |
| Memoranda: | ||
| Average total assets | $125,773,000 | 3,788 |
| Average earning assets | $119,019,500 | 3,753 |
| Average equity | $10,423,000 | 4,170 |
| Average total loans | $106,895,500 | 3,171 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 617 |
| Cost of funding earning assets | 0.8904% | 880 |
| Net interest margin | 3.9933% | 983 |
| Noninterest income to average assets | 0.4939% | 2,659 |
| Noninterest expense to average assets | 2.5667% | 2,652 |
| Loan and lease loss provision to assets | 0.1450% | 2,555 |
| Net operating income to assets | 1.5388% | 728 |
| Return on assets (ROA) | 1.5388% | 791 |
| Pretax return on assets | 1.5388% | 1,225 |
| Return on Equity (ROE) | 18.2344% | 319 |
| Retained earnings to average equity (ytd only) | 12.5437% | 273 |
| Net charge-offs to loans | 0.0010% | 3,394 |
| Credit loss provision to net charge-offs | 17,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,974.0000% | 55 |
| Efficiency ratio | 60.3853% | 3,398 |
| Assets per employee ($millions) | 5.7465% | 2,583 |
| Cash dividends to net income (ytd only)* | 31.2084% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 4,445 |
| Loan loss allowance to noncurrent loans | 165.2008% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,342 |
| Noncurrent loans to loans | 0.4783% | 2,536 |
| Net loans and leases to total assets | 85.8073% | 104 |
| Net loans and leases to deposits | 111.6117% | 146 |
| Net loans and leases to core deposits | 113.4394% | 423 |
| Total domestic deposits to total assets | 76.8802% | 4,427 |
| Equity capital to assets | 8.4588% | 4,476 |
| Core capital (leverage) ratio | 8.9591% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2697% | 3,051 |
| Memoranda: | ||
| Average total assets | $117,230,400 | 3,777 |
| Average earning assets | $110,285,000 | 3,764 |
| Average equity | $9,893,400 | 4,206 |
| Average total loans | $100,488,000 | 3,223 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 536 |
| Cost of funding earning assets | 0.9499% | 909 |
| Net interest margin | 4.1194% | 866 |
| Noninterest income to average assets | 0.4640% | 2,768 |
| Noninterest expense to average assets | 2.6566% | 2,370 |
| Loan and lease loss provision to assets | 0.1975% | 2,006 |
| Net operating income to assets | 1.4791% | 945 |
| Return on assets (ROA) | 1.4791% | 1,031 |
| Pretax return on assets | 1.4791% | 1,491 |
| Return on Equity (ROE) | 17.5375% | 399 |
| Retained earnings to average equity (ytd only) | 9.7935% | 807 |
| Net charge-offs to loans | 0.0014% | 3,168 |
| Credit loss provision to net charge-offs | 17,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,445.0000% | 83 |
| Efficiency ratio | 61.3119% | 3,177 |
| Assets per employee ($millions) | 5.8897% | 2,361 |
| Cash dividends to net income (ytd only)* | 44.1569% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 4,439 |
| Loan loss allowance to noncurrent loans | 263.1098% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,116 |
| Noncurrent loans to loans | 0.2925% | 3,229 |
| Net loans and leases to total assets | 89.9598% | 39 |
| Net loans and leases to deposits | 120.2982% | 111 |
| Net loans and leases to core deposits | 122.7521% | 360 |
| Total domestic deposits to total assets | 74.7807% | 4,521 |
| Equity capital to assets | 8.2243% | 4,622 |
| Core capital (leverage) ratio | 8.8653% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0378% | 3,090 |
| Memoranda: | ||
| Average total assets | $114,932,000 | 3,804 |
| Average earning assets | $107,941,500 | 3,795 |
| Average equity | $9,693,250 | 4,243 |
| Average total loans | $98,273,750 | 3,272 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 615 |
| Cost of funding earning assets | 1.0213% | 925 |
| Net interest margin | 4.1405% | 1,039 |
| Noninterest income to average assets | 0.4196% | 2,973 |
| Noninterest expense to average assets | 2.7728% | 2,152 |
| Loan and lease loss provision to assets | 0.3035% | 1,418 |
| Net operating income to assets | 1.2159% | 1,599 |
| Return on assets (ROA) | 1.2159% | 1,718 |
| Pretax return on assets | 1.2159% | 2,311 |
| Return on Equity (ROE) | 14.2862% | 831 |
| Retained earnings to average equity (ytd only) | 7.1116% | 1,614 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6007% | 2,729 |
| Assets per employee ($millions) | 5.6383% | 2,506 |
| Cash dividends to net income (ytd only)* | 50.2203% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 4,343 |
| Loan loss allowance to noncurrent loans | 254.4118% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 2,162 |
| Noncurrent loans to loans | 0.3145% | 3,259 |
| Net loans and leases to total assets | 86.4579% | 118 |
| Net loans and leases to deposits | 105.2546% | 336 |
| Net loans and leases to core deposits | 113.2567% | 628 |
| Total domestic deposits to total assets | 82.1417% | 3,330 |
| Equity capital to assets | 7.9037% | 4,765 |
| Core capital (leverage) ratio | 8.0207% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6747% | 3,048 |
| Memoranda: | ||
| Average total assets | $112,015,000 | 3,833 |
| Average earning assets | $104,770,000 | 3,826 |
| Average equity | $9,533,667 | 4,273 |
| Average total loans | $93,655,667 | 3,342 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 1,349 |
| Cost of funding earning assets | 1.1200% | 991 |
| Net interest margin | 3.7091% | 2,294 |
| Noninterest income to average assets | 0.3547% | 3,397 |
| Noninterest expense to average assets | 3.1660% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6377% | 3,484 |
| Return on assets (ROA) | 0.6377% | 3,548 |
| Pretax return on assets | 0.6377% | 3,843 |
| Return on Equity (ROE) | 7.1926% | 2,870 |
| Retained earnings to average equity (ytd only) | -4.3411% | 4,467 |
| Net charge-offs to loans | -0.0046% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2341% | 883 |
| Assets per employee ($millions) | 4.6830% | 3,011 |
| Cash dividends to net income (ytd only)* | 160.3550% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,365 |
| Loan loss allowance to noncurrent loans | 202.3256% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 1,128 |
| Noncurrent loans to loans | 0.4043% | 3,040 |
| Net loans and leases to total assets | 78.3437% | 927 |
| Net loans and leases to deposits | 97.8887% | 727 |
| Net loans and leases to core deposits | 106.7787% | 1,014 |
| Total domestic deposits to total assets | 80.0334% | 3,853 |
| Equity capital to assets | 8.6919% | 4,744 |
| Core capital (leverage) ratio | 8.7743% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7078% | 3,363 |
| Memoranda: | ||
| Average total assets | $106,001,000 | 3,904 |
| Average earning assets | $98,568,000 | 3,894 |
| Average equity | $9,398,500 | 4,312 |
| Average total loans | $86,428,500 | 3,474 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 1,242 |
| Cost of funding earning assets | 1.2389% | 930 |
| Net interest margin | 3.8479% | 2,344 |
| Noninterest income to average assets | 0.3922% | 3,346 |
| Noninterest expense to average assets | 2.9515% | 2,141 |
| Loan and lease loss provision to assets | 0.0370% | 3,271 |
| Net operating income to assets | 0.9525% | 3,010 |
| Return on assets (ROA) | 0.9525% | 3,091 |
| Pretax return on assets | 0.9525% | 3,597 |
| Return on Equity (ROE) | 10.2706% | 2,172 |
| Retained earnings to average equity (ytd only) | 0.2050% | 4,630 |
| Net charge-offs to loans | 0.0012% | 3,686 |
| Credit loss provision to net charge-offs | 3,700.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 989.0000% | 102 |
| Efficiency ratio | 74.8921% | 1,504 |
| Assets per employee ($millions) | 4.5344% | 3,174 |
| Cash dividends to net income (ytd only)* | 98.0042% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 4,330 |
| Loan loss allowance to noncurrent loans | 188.3469% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 980 |
| Noncurrent loans to loans | 0.4204% | 2,936 |
| Net loans and leases to total assets | 83.4983% | 369 |
| Net loans and leases to deposits | 105.6590% | 312 |
| Net loans and leases to core deposits | 113.4648% | 696 |
| Total domestic deposits to total assets | 79.0262% | 4,181 |
| Equity capital to assets | 9.0467% | 4,664 |
| Core capital (leverage) ratio | 9.1015% | 4,446 |
| Tier 1 risk-based capital ratio | 11.2781% | 4,744 |
| Total risk-based capital ratio | 12.1088% | 4,812 |
| Memoranda: | ||
| Average total assets | $99,950,600 | 4,001 |
| Average earning assets | $92,179,200 | 4,013 |
| Average equity | $9,269,200 | 4,336 |
| Average total loans | $85,660,400 | 3,486 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0952% | 1,292 |
| Cost of funding earning assets | 1.2442% | 929 |
| Net interest margin | 3.8510% | 2,427 |
| Noninterest income to average assets | 0.3303% | 3,766 |
| Noninterest expense to average assets | 2.9609% | 2,082 |
| Loan and lease loss provision to assets | 0.0499% | 2,900 |
| Net operating income to assets | 0.8710% | 3,445 |
| Return on assets (ROA) | 0.8710% | 3,532 |
| Pretax return on assets | 0.8710% | 3,953 |
| Return on Equity (ROE) | 9.3122% | 2,752 |
| Retained earnings to average equity (ytd only) | -4.1372% | 5,028 |
| Net charge-offs to loans | 0.0016% | 3,394 |
| Credit loss provision to net charge-offs | 3,700.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 684.6917% | 144 |
| Efficiency ratio | 76.2765% | 1,298 |
| Assets per employee ($millions) | 4.5853% | 3,072 |
| Cash dividends to net income (ytd only)* | 144.4277% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7975% | 4,415 |
| Loan loss allowance to noncurrent loans | 76.7108% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 1,008 |
| Noncurrent loans to loans | 1.0396% | 1,543 |
| Net loans and leases to total assets | 85.7042% | 208 |
| Net loans and leases to deposits | 113.0811% | 153 |
| Net loans and leases to core deposits | 121.6973% | 479 |
| Total domestic deposits to total assets | 75.7901% | 4,671 |
| Equity capital to assets | 9.1340% | 4,706 |
| Core capital (leverage) ratio | 8.9928% | 4,643 |
| Tier 1 risk-based capital ratio | 9.8302% | 5,208 |
| Total risk-based capital ratio | 10.5784% | 5,236 |
| Memoranda: | ||
| Average total assets | $98,886,750 | 4,061 |
| Average earning assets | $91,194,000 | 4,074 |
| Average equity | $9,249,250 | 4,383 |
| Average total loans | $85,131,250 | 3,540 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 1,297 |
| Cost of funding earning assets | 1.2310% | 914 |
| Net interest margin | 3.8412% | 2,430 |
| Noninterest income to average assets | 0.2891% | 4,007 |
| Noninterest expense to average assets | 3.0196% | 1,958 |
| Loan and lease loss provision to assets | 0.0672% | 2,470 |
| Net operating income to assets | 0.7412% | 3,863 |
| Return on assets (ROA) | 0.7412% | 3,925 |
| Pretax return on assets | 0.7412% | 4,236 |
| Return on Equity (ROE) | 7.8609% | 3,346 |
| Retained earnings to average equity (ytd only) | -4.4272% | 5,032 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8830% | 1,066 |
| Assets per employee ($millions) | 4.5202% | 3,109 |
| Cash dividends to net income (ytd only)* | 156.3187% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,454 |
| Loan loss allowance to noncurrent loans | 74.8918% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 1,014 |
| Noncurrent loans to loans | 1.0635% | 1,544 |
| Net loans and leases to total assets | 86.6719% | 167 |
| Net loans and leases to deposits | 113.7491% | 150 |
| Net loans and leases to core deposits | 119.0420% | 575 |
| Total domestic deposits to total assets | 76.1956% | 4,645 |
| Equity capital to assets | 9.2705% | 4,598 |
| Core capital (leverage) ratio | 9.3833% | 4,269 |
| Tier 1 risk-based capital ratio | 10.2912% | 5,173 |
| Total risk-based capital ratio | 11.0643% | 5,214 |
| Memoranda: | ||
| Average total assets | $98,223,670 | 4,096 |
| Average earning assets | $90,492,000 | 4,106 |
| Average equity | $9,261,000 | 4,401 |
| Average total loans | $84,458,330 | 3,575 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 1,292 |
| Cost of funding earning assets | 1.1828% | 948 |
| Net interest margin | 3.8353% | 2,399 |
| Noninterest income to average assets | 0.2295% | 4,364 |
| Noninterest expense to average assets | 2.9627% | 2,101 |
| Loan and lease loss provision to assets | 0.0738% | 2,200 |
| Net operating income to assets | 0.7007% | 3,931 |
| Return on assets (ROA) | 0.7007% | 3,975 |
| Pretax return on assets | 0.7007% | 4,298 |
| Return on Equity (ROE) | 7.3691% | 3,522 |
| Retained earnings to average equity (ytd only) | -6.0763% | 4,976 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2763% | 1,124 |
| Assets per employee ($millions) | 4.7004% | 2,920 |
| Cash dividends to net income (ytd only)* | 182.4561% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 4,497 |
| Loan loss allowance to noncurrent loans | 126.3060% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 1,586 |
| Noncurrent loans to loans | 0.6393% | 2,415 |
| Net loans and leases to total assets | 84.2586% | 347 |
| Net loans and leases to deposits | 110.3826% | 209 |
| Net loans and leases to core deposits | 115.5235% | 662 |
| Total domestic deposits to total assets | 76.3332% | 4,725 |
| Equity capital to assets | 9.3650% | 4,370 |
| Core capital (leverage) ratio | 9.6204% | 4,005 |
| Tier 1 risk-based capital ratio | 10.7923% | 5,070 |
| Total risk-based capital ratio | 11.5800% | 5,148 |
| Memoranda: | ||
| Average total assets | $97,613,500 | 4,141 |
| Average earning assets | $89,276,000 | 4,161 |
| Average equity | $9,282,000 | 4,425 |
| Average total loans | $83,246,500 | 3,628 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 1,109 |
| Cost of funding earning assets | 0.7150% | 1,997 |
| Net interest margin | 4.2562% | 1,258 |
| Noninterest income to average assets | 0.5122% | 2,765 |
| Noninterest expense to average assets | 2.9772% | 2,107 |
| Loan and lease loss provision to assets | 0.0773% | 2,583 |
| Net operating income to assets | 1.3743% | 1,515 |
| Return on assets (ROA) | 1.3743% | 1,509 |
| Pretax return on assets | 1.3743% | 2,227 |
| Return on Equity (ROE) | 15.7189% | 683 |
| Retained earnings to average equity (ytd only) | 4.2801% | 3,192 |
| Net charge-offs to loans | -0.0026% | 4,264 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0239% | 2,709 |
| Assets per employee ($millions) | 4.8260% | 2,704 |
| Cash dividends to net income (ytd only)* | 72.7711% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,546 |
| Loan loss allowance to noncurrent loans | 74.9716% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 1,524 |
| Noncurrent loans to loans | 1.0636% | 1,536 |
| Net loans and leases to total assets | 84.9439% | 318 |
| Net loans and leases to deposits | 112.9593% | 180 |
| Net loans and leases to core deposits | 117.9194% | 621 |
| Total domestic deposits to total assets | 75.1987% | 4,850 |
| Equity capital to assets | 9.6561% | 3,996 |
| Core capital (leverage) ratio | 9.9256% | 3,674 |
| Tier 1 risk-based capital ratio | 11.1495% | 4,892 |
| Total risk-based capital ratio | 11.9298% | 5,013 |
| Memoranda: | ||
| Average total assets | $90,589,600 | 4,262 |
| Average earning assets | $83,361,200 | 4,261 |
| Average equity | $7,920,400 | 4,623 |
| Average total loans | $77,195,800 | 3,722 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 1,133 |
| Cost of funding earning assets | 0.6502% | 2,150 |
| Net interest margin | 4.2604% | 1,210 |
| Noninterest income to average assets | 0.4160% | 3,382 |
| Noninterest expense to average assets | 3.0300% | 1,929 |
| Loan and lease loss provision to assets | 0.0748% | 2,458 |
| Net operating income to assets | 1.2329% | 2,115 |
| Return on assets (ROA) | 1.2329% | 2,115 |
| Pretax return on assets | 1.2329% | 2,877 |
| Return on Equity (ROE) | 14.5121% | 979 |
| Retained earnings to average equity (ytd only) | 3.8394% | 3,861 |
| Net charge-offs to loans | -0.0053% | 4,235 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5757% | 2,260 |
| Assets per employee ($millions) | 4.4363% | 3,218 |
| Cash dividends to net income (ytd only)* | 73.5437% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 4,644 |
| Loan loss allowance to noncurrent loans | 187.3900% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 3,206 |
| Noncurrent loans to loans | 0.4232% | 3,139 |
| Net loans and leases to total assets | 85.8023% | 281 |
| Net loans and leases to deposits | 118.2258% | 124 |
| Net loans and leases to core deposits | 123.7648% | 469 |
| Total domestic deposits to total assets | 72.5749% | 5,088 |
| Equity capital to assets | 8.3563% | 5,005 |
| Core capital (leverage) ratio | 8.2714% | 5,217 |
| Tier 1 risk-based capital ratio | 9.6267% | 5,431 |
| Total risk-based capital ratio | 10.4321% | 5,446 |
| Memoranda: | ||
| Average total assets | $89,107,250 | 4,327 |
| Average earning assets | $82,024,000 | 4,327 |
| Average equity | $7,570,500 | 4,717 |
| Average total loans | $75,833,250 | 3,787 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 1,096 |
| Cost of funding earning assets | 0.5465% | 2,632 |
| Net interest margin | 4.3174% | 1,005 |
| Noninterest income to average assets | 0.4148% | 3,389 |
| Noninterest expense to average assets | 3.1884% | 1,561 |
| Loan and lease loss provision to assets | 0.1140% | 1,742 |
| Net operating income to assets | 1.0734% | 2,698 |
| Return on assets (ROA) | 1.0734% | 2,701 |
| Pretax return on assets | 1.0734% | 3,418 |
| Return on Equity (ROE) | 12.5617% | 1,518 |
| Retained earnings to average equity (ytd only) | -1.9469% | 5,144 |
| Net charge-offs to loans | -0.0081% | 4,244 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2396% | 1,963 |
| Assets per employee ($millions) | 3.8971% | 4,061 |
| Cash dividends to net income (ytd only)* | 115.4989% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 4,575 |
| Loan loss allowance to noncurrent loans | 187.3900% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 3,217 |
| Noncurrent loans to loans | 0.4486% | 3,096 |
| Net loans and leases to total assets | 84.0929% | 452 |
| Net loans and leases to deposits | 109.7321% | 289 |
| Net loans and leases to core deposits | 115.4040% | 729 |
| Total domestic deposits to total assets | 76.6347% | 4,781 |
| Equity capital to assets | 8.3741% | 5,035 |
| Core capital (leverage) ratio | 8.3730% | 5,182 |
| Tier 1 risk-based capital ratio | 9.8435% | 5,456 |
| Total risk-based capital ratio | 10.6966% | 5,484 |
| Memoranda: | ||
| Average total assets | $87,755,330 | 4,386 |
| Average earning assets | $80,512,330 | 4,395 |
| Average equity | $7,499,000 | 4,774 |
| Average total loans | $74,252,670 | 3,842 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,144 |
| Cost of funding earning assets | 0.5472% | 2,428 |
| Net interest margin | 4.2222% | 1,120 |
| Noninterest income to average assets | 0.2672% | 4,392 |
| Noninterest expense to average assets | 3.1837% | 1,602 |
| Loan and lease loss provision to assets | 0.2304% | 676 |
| Net operating income to assets | 0.7280% | 3,991 |
| Return on assets (ROA) | 0.7280% | 4,000 |
| Pretax return on assets | 0.7280% | 4,365 |
| Return on Equity (ROE) | 8.4317% | 3,179 |
| Retained earnings to average equity (ytd only) | -13.9817% | 5,440 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1958% | 1,567 |
| Assets per employee ($millions) | 4.4002% | 3,319 |
| Cash dividends to net income (ytd only)* | 265.8228% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,625 |
| Loan loss allowance to noncurrent loans | 72.7169% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 1,578 |
| Noncurrent loans to loans | 1.1740% | 1,555 |
| Net loans and leases to total assets | 84.0642% | 433 |
| Net loans and leases to deposits | 104.1254% | 472 |
| Net loans and leases to core deposits | 108.5150% | 1,087 |
| Total domestic deposits to total assets | 80.7336% | 4,265 |
| Equity capital to assets | 8.3236% | 5,096 |
| Core capital (leverage) ratio | 8.4940% | 5,143 |
| Tier 1 risk-based capital ratio | 9.5480% | 5,551 |
| Total risk-based capital ratio | 10.3697% | 5,575 |
| Memoranda: | ||
| Average total assets | $86,816,500 | 4,450 |
| Average earning assets | $79,674,000 | 4,450 |
| Average equity | $7,495,500 | 4,822 |
| Average total loans | $73,372,000 | 3,896 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,163 |
| Cost of funding earning assets | 0.4978% | 2,350 |
| Net interest margin | 4.2172% | 1,154 |
| Noninterest income to average assets | 0.5767% | 2,573 |
| Noninterest expense to average assets | 3.0848% | 1,900 |
| Loan and lease loss provision to assets | 0.0485% | 3,256 |
| Net operating income to assets | 1.3231% | 1,177 |
| Return on assets (ROA) | 1.3231% | 1,192 |
| Pretax return on assets | 1.3231% | 2,272 |
| Return on Equity (ROE) | 14.7699% | 643 |
| Retained earnings to average equity (ytd only) | 5.2344% | 1,976 |
| Net charge-offs to loans | 0.0929% | 2,154 |
| Credit loss provision to net charge-offs | 62.5000% | 3,190 |
| Earnings coverage of net charge-offs (x) | 17.6875% | 2,113 |
| Efficiency ratio | 68.5427% | 2,786 |
| Assets per employee ($millions) | 4.7572% | 2,793 |
| Cash dividends to net income (ytd only)* | 64.5604% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,788 |
| Loan loss allowance to noncurrent loans | 65.1111% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 1,450 |
| Noncurrent loans to loans | 1.2478% | 1,415 |
| Net loans and leases to total assets | 83.5478% | 494 |
| Net loans and leases to deposits | 105.0297% | 447 |
| Net loans and leases to core deposits | 110.0358% | 1,002 |
| Total domestic deposits to total assets | 79.5469% | 4,436 |
| Equity capital to assets | 8.9525% | 4,774 |
| Core capital (leverage) ratio | 8.9743% | 4,678 |
| Tier 1 risk-based capital ratio | 9.9677% | 5,543 |
| Total risk-based capital ratio | 10.7304% | 5,586 |
| Memoranda: | ||
| Average total assets | $82,532,800 | 4,545 |
| Average earning assets | $75,926,600 | 4,538 |
| Average equity | $7,393,400 | 4,879 |
| Average total loans | $68,922,000 | 3,991 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 1,148 |
| Cost of funding earning assets | 0.4783% | 2,445 |
| Net interest margin | 4.2162% | 1,119 |
| Noninterest income to average assets | 0.5496% | 2,731 |
| Noninterest expense to average assets | 3.0952% | 1,813 |
| Loan and lease loss provision to assets | 0.0245% | 3,658 |
| Net operating income to assets | 1.3111% | 1,294 |
| Return on assets (ROA) | 1.3111% | 1,332 |
| Pretax return on assets | 1.3111% | 2,433 |
| Return on Equity (ROE) | 14.6339% | 715 |
| Retained earnings to average equity (ytd only) | 3.6221% | 3,766 |
| Net charge-offs to loans | 0.1057% | 1,735 |
| Credit loss provision to net charge-offs | 27.7778% | 3,098 |
| Earnings coverage of net charge-offs (x) | 15.1663% | 2,249 |
| Efficiency ratio | 69.1940% | 2,673 |
| Assets per employee ($millions) | 4.4724% | 3,194 |
| Cash dividends to net income (ytd only)* | 75.2493% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 4,910 |
| Loan loss allowance to noncurrent loans | 78.1122% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 1,876 |
| Noncurrent loans to loans | 1.0177% | 1,908 |
| Net loans and leases to total assets | 83.8578% | 444 |
| Net loans and leases to deposits | 105.4580% | 440 |
| Net loans and leases to core deposits | 110.0950% | 1,023 |
| Total domestic deposits to total assets | 79.5177% | 4,433 |
| Equity capital to assets | 8.8390% | 5,043 |
| Core capital (leverage) ratio | 8.9491% | 4,799 |
| Tier 1 risk-based capital ratio | 9.8412% | 5,623 |
| Total risk-based capital ratio | 10.5892% | 5,673 |
| Memoranda: | ||
| Average total assets | $81,758,500 | 4,603 |
| Average earning assets | $75,264,000 | 4,603 |
| Average equity | $7,325,250 | 4,941 |
| Average total loans | $68,120,500 | 4,039 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 1,042 |
| Cost of funding earning assets | 0.4741% | 2,383 |
| Net interest margin | 4.2344% | 1,004 |
| Noninterest income to average assets | 0.6296% | 2,320 |
| Noninterest expense to average assets | 3.2224% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3038% | 1,286 |
| Return on assets (ROA) | 1.3038% | 1,308 |
| Pretax return on assets | 1.3038% | 2,367 |
| Return on Equity (ROE) | 14.4837% | 738 |
| Retained earnings to average equity (ytd only) | 1.9550% | 4,471 |
| Net charge-offs to loans | 0.0030% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 160 |
| Efficiency ratio | 70.5367% | 2,578 |
| Assets per employee ($millions) | 3.8130% | 4,259 |
| Cash dividends to net income (ytd only)* | 86.5019% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 4,617 |
| Loan loss allowance to noncurrent loans | 130.1927% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 2,651 |
| Noncurrent loans to loans | 0.6961% | 2,662 |
| Net loans and leases to total assets | 83.0217% | 553 |
| Net loans and leases to deposits | 98.7948% | 825 |
| Net loans and leases to core deposits | 103.1578% | 1,426 |
| Total domestic deposits to total assets | 84.0346% | 3,186 |
| Equity capital to assets | 9.2054% | 4,713 |
| Core capital (leverage) ratio | 9.0511% | 4,665 |
| Tier 1 risk-based capital ratio | 10.4308% | 5,489 |
| Total risk-based capital ratio | 11.2901% | 5,568 |
| Memoranda: | ||
| Average total assets | $80,686,000 | 4,650 |
| Average earning assets | $74,249,670 | 4,654 |
| Average equity | $7,263,330 | 4,970 |
| Average total loans | $66,884,000 | 4,085 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 959 |
| Cost of funding earning assets | 0.4940% | 2,139 |
| Net interest margin | 4.1935% | 1,004 |
| Noninterest income to average assets | 0.5778% | 2,523 |
| Noninterest expense to average assets | 3.2102% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2248% | 1,443 |
| Return on assets (ROA) | 1.2248% | 1,479 |
| Pretax return on assets | 1.2248% | 2,494 |
| Return on Equity (ROE) | 13.7596% | 847 |
| Retained earnings to average equity (ytd only) | -5.9366% | 5,442 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7149% | 2,623 |
| Assets per employee ($millions) | 4.8375% | 2,645 |
| Cash dividends to net income (ytd only)* | 143.1452% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 4,688 |
| Loan loss allowance to noncurrent loans | 82.6323% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 1,936 |
| Noncurrent loans to loans | 1.1105% | 1,840 |
| Net loans and leases to total assets | 79.9594% | 837 |
| Net loans and leases to deposits | 90.9439% | 1,433 |
| Net loans and leases to core deposits | 94.6675% | 1,916 |
| Total domestic deposits to total assets | 87.9216% | 1,761 |
| Equity capital to assets | 8.7149% | 5,063 |
| Core capital (leverage) ratio | 8.7294% | 5,022 |
| Tier 1 risk-based capital ratio | 10.5129% | 5,533 |
| Total risk-based capital ratio | 11.4024% | 5,616 |
| Memoranda: | ||
| Average total assets | $80,992,500 | 4,699 |
| Average earning assets | $74,495,500 | 4,691 |
| Average equity | $7,209,500 | 5,027 |
| Average total loans | $66,783,000 | 4,117 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 863 |
| Cost of funding earning assets | 0.4889% | 2,172 |
| Net interest margin | 4.3271% | 888 |
| Noninterest income to average assets | 0.3644% | 4,139 |
| Noninterest expense to average assets | 3.1182% | 1,979 |
| Loan and lease loss provision to assets | 0.0571% | 3,242 |
| Net operating income to assets | 1.1897% | 1,541 |
| Return on assets (ROA) | 1.1897% | 1,634 |
| Pretax return on assets | 1.1897% | 2,720 |
| Return on Equity (ROE) | 13.3483% | 922 |
| Retained earnings to average equity (ytd only) | 5.9405% | 1,741 |
| Net charge-offs to loans | 0.0015% | 4,229 |
| Credit loss provision to net charge-offs | 4,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 982.0000% | 79 |
| Efficiency ratio | 70.7097% | 2,791 |
| Assets per employee ($millions) | 4.1972% | 3,627 |
| Cash dividends to net income (ytd only)* | 55.4963% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 4,763 |
| Loan loss allowance to noncurrent loans | 63.3715% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 1,400 |
| Noncurrent loans to loans | 1.4301% | 1,421 |
| Net loans and leases to total assets | 83.5028% | 434 |
| Net loans and leases to deposits | 96.0812% | 987 |
| Net loans and leases to core deposits | 99.3332% | 1,682 |
| Total domestic deposits to total assets | 86.9086% | 2,197 |
| Equity capital to assets | 9.0938% | 4,715 |
| Core capital (leverage) ratio | 9.0407% | 4,690 |
| Tier 1 risk-based capital ratio | 10.2955% | 5,661 |
| Total risk-based capital ratio | 11.1539% | 5,727 |
| Memoranda: | ||
| Average total assets | $78,762,200 | 4,750 |
| Average earning assets | $72,819,800 | 4,740 |
| Average equity | $7,019,600 | 5,086 |
| Average total loans | $67,619,600 | 4,098 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 816 |
| Cost of funding earning assets | 0.4987% | 2,114 |
| Net interest margin | 4.3455% | 852 |
| Noninterest income to average assets | 0.3940% | 3,965 |
| Noninterest expense to average assets | 3.2519% | 1,673 |
| Loan and lease loss provision to assets | 0.0764% | 2,697 |
| Net operating income to assets | 1.0902% | 2,042 |
| Return on assets (ROA) | 1.0902% | 2,143 |
| Pretax return on assets | 1.0902% | 3,271 |
| Return on Equity (ROE) | 12.2959% | 1,235 |
| Retained earnings to average equity (ytd only) | 2.3366% | 4,520 |
| Net charge-offs to loans | 0.0079% | 3,645 |
| Credit loss provision to net charge-offs | 1,125.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 171.8537% | 420 |
| Efficiency ratio | 72.9055% | 2,448 |
| Assets per employee ($millions) | 4.1867% | 3,617 |
| Cash dividends to net income (ytd only)* | 80.9972% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,933 |
| Loan loss allowance to noncurrent loans | 304.5226% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 3,848 |
| Noncurrent loans to loans | 0.2890% | 4,226 |
| Net loans and leases to total assets | 85.8021% | 264 |
| Net loans and leases to deposits | 98.9748% | 778 |
| Net loans and leases to core deposits | 102.7319% | 1,433 |
| Total domestic deposits to total assets | 86.6909% | 2,036 |
| Equity capital to assets | 8.8614% | 5,272 |
| Core capital (leverage) ratio | 8.7220% | 5,139 |
| Tier 1 risk-based capital ratio | 10.0387% | 5,782 |
| Total risk-based capital ratio | 10.9069% | 5,841 |
| Memoranda: | ||
| Average total assets | $78,516,000 | 4,794 |
| Average earning assets | $72,717,250 | 4,782 |
| Average equity | $6,961,500 | 5,145 |
| Average total loans | $67,724,500 | 4,130 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 874 |
| Cost of funding earning assets | 0.4891% | 2,196 |
| Net interest margin | 4.3165% | 891 |
| Noninterest income to average assets | 0.3428% | 4,329 |
| Noninterest expense to average assets | 3.1929% | 1,829 |
| Loan and lease loss provision to assets | 0.1151% | 1,962 |
| Net operating income to assets | 1.0311% | 2,250 |
| Return on assets (ROA) | 1.0311% | 2,385 |
| Pretax return on assets | 1.0311% | 3,478 |
| Return on Equity (ROE) | 11.6267% | 1,442 |
| Retained earnings to average equity (ytd only) | 2.7408% | 4,160 |
| Net charge-offs to loans | 0.0119% | 3,307 |
| Credit loss provision to net charge-offs | 1,125.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 520 |
| Efficiency ratio | 72.8774% | 2,538 |
| Assets per employee ($millions) | 3.7782% | 4,308 |
| Cash dividends to net income (ytd only)* | 76.4268% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,987 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 3,665 |
| Noncurrent loans to loans | 0.2970% | 4,304 |
| Net loans and leases to total assets | 84.9500% | 337 |
| Net loans and leases to deposits | 98.3138% | 858 |
| Net loans and leases to core deposits | 102.4549% | 1,437 |
| Total domestic deposits to total assets | 86.4069% | 2,214 |
| Equity capital to assets | 8.8591% | 5,347 |
| Core capital (leverage) ratio | 8.5898% | 5,274 |
| Tier 1 risk-based capital ratio | 9.9878% | 5,859 |
| Total risk-based capital ratio | 10.8555% | 5,910 |
| Memoranda: | ||
| Average total assets | $78,172,330 | 4,859 |
| Average earning assets | $72,373,330 | 4,834 |
| Average equity | $6,932,330 | 5,207 |
| Average total loans | $67,346,330 | 4,163 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,064 |
| Cost of funding earning assets | 0.4670% | 2,405 |
| Net interest margin | 4.2250% | 1,051 |
| Noninterest income to average assets | 0.2062% | 5,260 |
| Noninterest expense to average assets | 3.1294% | 2,018 |
| Loan and lease loss provision to assets | 0.1289% | 1,649 |
| Net operating income to assets | 0.8661% | 2,911 |
| Return on assets (ROA) | 0.8661% | 3,029 |
| Pretax return on assets | 0.8661% | 3,978 |
| Return on Equity (ROE) | 9.7618% | 2,087 |
| Retained earnings to average equity (ytd only) | -4.8809% | 5,603 |
| Net charge-offs to loans | 0.0060% | 2,911 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 310 |
| Efficiency ratio | 75.1250% | 2,306 |
| Assets per employee ($millions) | 4.1449% | 3,679 |
| Cash dividends to net income (ytd only)* | 150.0000% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 5,222 |
| Loan loss allowance to noncurrent loans | 235.6000% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 3,490 |
| Noncurrent loans to loans | 0.3609% | 4,137 |
| Net loans and leases to total assets | 87.2043% | 157 |
| Net loans and leases to deposits | 103.7261% | 428 |
| Net loans and leases to core deposits | 108.2535% | 959 |
| Total domestic deposits to total assets | 84.0717% | 3,488 |
| Equity capital to assets | 8.6879% | 5,431 |
| Core capital (leverage) ratio | 8.7591% | 5,111 |
| Tier 1 risk-based capital ratio | 9.6390% | 5,983 |
| Total risk-based capital ratio | 10.4748% | 6,035 |
| Memoranda: | ||
| Average total assets | $77,587,500 | 4,908 |
| Average earning assets | $71,952,000 | 4,876 |
| Average equity | $6,884,000 | 5,251 |
| Average total loans | $67,016,000 | 4,193 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 1,034 |
| Cost of funding earning assets | 0.4865% | 2,299 |
| Net interest margin | 4.2503% | 1,067 |
| Noninterest income to average assets | 0.2618% | 5,014 |
| Noninterest expense to average assets | 3.0516% | 2,378 |
| Loan and lease loss provision to assets | 0.1329% | 1,797 |
| Net operating income to assets | 1.0226% | 2,247 |
| Return on assets (ROA) | 1.0226% | 2,326 |
| Pretax return on assets | 1.0226% | 3,370 |
| Return on Equity (ROE) | 11.1863% | 1,547 |
| Retained earnings to average equity (ytd only) | -0.3116% | 5,557 |
| Net charge-offs to loans | 0.2928% | 1,038 |
| Credit loss provision to net charge-offs | 53.2609% | 3,359 |
| Earnings coverage of net charge-offs (x) | 4.6304% | 3,516 |
| Efficiency ratio | 71.7279% | 2,948 |
| Assets per employee ($millions) | 4.4954% | 3,051 |
| Cash dividends to net income (ytd only)* | 102.7851% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,191 |
| Loan loss allowance to noncurrent loans | 203.9711% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 3,349 |
| Noncurrent loans to loans | 0.4277% | 3,925 |
| Net loans and leases to total assets | 84.0098% | 395 |
| Net loans and leases to deposits | 99.0955% | 745 |
| Net loans and leases to core deposits | 103.5199% | 1,252 |
| Total domestic deposits to total assets | 84.7766% | 3,183 |
| Equity capital to assets | 9.0628% | 5,064 |
| Core capital (leverage) ratio | 9.1108% | 4,739 |
| Tier 1 risk-based capital ratio | 10.3230% | 5,854 |
| Total risk-based capital ratio | 11.1701% | 5,926 |
| Memoranda: | ||
| Average total assets | $73,733,000 | 4,998 |
| Average earning assets | $68,443,000 | 4,971 |
| Average equity | $6,740,400 | 5,292 |
| Average total loans | $62,832,800 | 4,299 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 1,032 |
| Cost of funding earning assets | 0.4755% | 2,451 |
| Net interest margin | 4.2634% | 1,033 |
| Noninterest income to average assets | 0.1624% | 5,673 |
| Noninterest expense to average assets | 3.0713% | 2,299 |
| Loan and lease loss provision to assets | 0.1642% | 1,295 |
| Net operating income to assets | 0.8869% | 3,010 |
| Return on assets (ROA) | 0.8869% | 3,097 |
| Pretax return on assets | 0.8869% | 4,026 |
| Return on Equity (ROE) | 9.6800% | 2,232 |
| Retained earnings to average equity (ytd only) | -5.7562% | 6,052 |
| Net charge-offs to loans | 0.3892% | 662 |
| Credit loss provision to net charge-offs | 49.4505% | 3,042 |
| Earnings coverage of net charge-offs (x) | 3.1648% | 3,548 |
| Efficiency ratio | 73.7052% | 2,609 |
| Assets per employee ($millions) | 4.0808% | 3,737 |
| Cash dividends to net income (ytd only)* | 159.4663% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 5,240 |
| Loan loss allowance to noncurrent loans | 169.9088% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 2,765 |
| Noncurrent loans to loans | 0.5236% | 3,774 |
| Net loans and leases to total assets | 84.7741% | 327 |
| Net loans and leases to deposits | 101.0483% | 603 |
| Net loans and leases to core deposits | 105.3495% | 1,146 |
| Total domestic deposits to total assets | 83.8947% | 3,472 |
| Equity capital to assets | 9.0642% | 5,250 |
| Core capital (leverage) ratio | 9.0245% | 4,965 |
| Tier 1 risk-based capital ratio | 10.3652% | 5,933 |
| Total risk-based capital ratio | 11.2403% | 5,998 |
| Memoranda: | ||
| Average total assets | $73,060,750 | 5,075 |
| Average earning assets | $67,863,250 | 5,048 |
| Average equity | $6,694,000 | 5,367 |
| Average total loans | $62,349,250 | 4,350 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 950 |
| Cost of funding earning assets | 0.4727% | 2,490 |
| Net interest margin | 4.2957% | 927 |
| Noninterest income to average assets | 0.1015% | 6,024 |
| Noninterest expense to average assets | 3.0824% | 2,295 |
| Loan and lease loss provision to assets | 0.2468% | 716 |
| Net operating income to assets | 0.7596% | 3,594 |
| Return on assets (ROA) | 0.7596% | 3,695 |
| Pretax return on assets | 0.7596% | 4,456 |
| Return on Equity (ROE) | 8.2613% | 2,910 |
| Retained earnings to average equity (ytd only) | -10.0209% | 6,181 |
| Net charge-offs to loans | 0.5789% | 420 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.0389% | 3,415 |
| Efficiency ratio | 74.5808% | 2,603 |
| Assets per employee ($millions) | 4.1039% | 3,675 |
| Cash dividends to net income (ytd only)* | 221.2996% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 5,346 |
| Loan loss allowance to noncurrent loans | 144.9612% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 2,585 |
| Noncurrent loans to loans | 0.6121% | 3,637 |
| Net loans and leases to total assets | 84.8222% | 310 |
| Net loans and leases to deposits | 102.9509% | 503 |
| Net loans and leases to core deposits | 107.3903% | 996 |
| Total domestic deposits to total assets | 82.3909% | 4,154 |
| Equity capital to assets | 8.9318% | 5,298 |
| Core capital (leverage) ratio | 8.8257% | 5,194 |
| Tier 1 risk-based capital ratio | 10.1717% | 6,038 |
| Total risk-based capital ratio | 11.0409% | 6,107 |
| Memoranda: | ||
| Average total assets | $72,929,670 | 5,130 |
| Average earning assets | $67,695,670 | 5,110 |
| Average equity | $6,706,000 | 5,411 |
| Average total loans | $62,189,330 | 4,400 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 928 |
| Cost of funding earning assets | 0.4814% | 2,440 |
| Net interest margin | 4.2787% | 924 |
| Noninterest income to average assets | 0.2484% | 5,176 |
| Noninterest expense to average assets | 3.1852% | 2,025 |
| Loan and lease loss provision to assets | 0.3864% | 312 |
| Net operating income to assets | 0.6514% | 4,042 |
| Return on assets (ROA) | 0.6514% | 4,161 |
| Pretax return on assets | 0.6514% | 4,760 |
| Return on Equity (ROE) | 6.9822% | 3,515 |
| Retained earnings to average equity (ytd only) | -22.0118% | 6,292 |
| Net charge-offs to loans | 0.8431% | 283 |
| Credit loss provision to net charge-offs | 53.8462% | 2,066 |
| Earnings coverage of net charge-offs (x) | 1.4462% | 2,919 |
| Efficiency ratio | 74.6405% | 2,713 |
| Assets per employee ($millions) | 3.9955% | 3,965 |
| Cash dividends to net income (ytd only)* | 415.2542% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 5,233 |
| Loan loss allowance to noncurrent loans | 121.3552% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 2,125 |
| Noncurrent loans to loans | 0.7863% | 3,290 |
| Net loans and leases to total assets | 85.2987% | 235 |
| Net loans and leases to deposits | 97.4473% | 723 |
| Net loans and leases to core deposits | 101.5007% | 1,218 |
| Total domestic deposits to total assets | 87.5332% | 2,089 |
| Equity capital to assets | 9.1422% | 5,146 |
| Core capital (leverage) ratio | 8.8330% | 5,157 |
| Tier 1 risk-based capital ratio | 10.3132% | 6,072 |
| Total risk-based capital ratio | 11.2470% | 6,121 |
| Memoranda: | ||
| Average total assets | $72,459,000 | 5,183 |
| Average earning assets | $67,310,000 | 5,161 |
| Average equity | $6,760,000 | 5,447 |
| Average total loans | $61,674,000 | 4,446 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,420 |
| Cost of funding earning assets | 0.4238% | 3,442 |
| Net interest margin | 4.2262% | 1,228 |
| Noninterest income to average assets | 0.3039% | 4,941 |
| Noninterest expense to average assets | 3.0434% | 2,712 |
| Loan and lease loss provision to assets | 0.0666% | 3,165 |
| Net operating income to assets | 1.1241% | 1,884 |
| Return on assets (ROA) | 1.1241% | 1,944 |
| Pretax return on assets | 1.1241% | 2,991 |
| Return on Equity (ROE) | 12.0192% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.6354% | 3,633 |
| Net charge-offs to loans | 0.0388% | 4,052 |
| Credit loss provision to net charge-offs | 208.6957% | 1,188 |
| Earnings coverage of net charge-offs (x) | 37.3043% | 1,150 |
| Efficiency ratio | 71.0587% | 3,362 |
| Assets per employee ($millions) | 4.0597% | 3,810 |
| Cash dividends to net income (ytd only)* | 69.7531% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,922 |
| Loan loss allowance to noncurrent loans | 83.5979% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 2,105 |
| Noncurrent loans to loans | 1.2270% | 2,399 |
| Net loans and leases to total assets | 83.4499% | 382 |
| Net loans and leases to deposits | 98.4311% | 730 |
| Net loans and leases to core deposits | 103.0328% | 1,181 |
| Total domestic deposits to total assets | 84.7800% | 3,375 |
| Equity capital to assets | 9.6079% | 4,580 |
| Core capital (leverage) ratio | 9.4303% | 4,342 |
| Tier 1 risk-based capital ratio | 11.1039% | 5,869 |
| Total risk-based capital ratio | 12.1057% | 5,896 |
| Memoranda: | ||
| Average total assets | $72,057,400 | 5,226 |
| Average earning assets | $67,010,200 | 5,198 |
| Average equity | $6,739,200 | 5,473 |
| Average total loans | $59,332,600 | 4,506 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 1,392 |
| Cost of funding earning assets | 0.4109% | 3,672 |
| Net interest margin | 4.2547% | 1,143 |
| Noninterest income to average assets | 0.3120% | 4,945 |
| Noninterest expense to average assets | 3.0490% | 2,640 |
| Loan and lease loss provision to assets | 0.0706% | 2,937 |
| Net operating income to assets | 1.1531% | 1,853 |
| Return on assets (ROA) | 1.1531% | 1,914 |
| Pretax return on assets | 1.1531% | 2,972 |
| Return on Equity (ROE) | 12.4158% | 1,364 |
| Retained earnings to average equity (ytd only) | 1.1196% | 5,437 |
| Net charge-offs to loans | 0.0250% | 4,004 |
| Credit loss provision to net charge-offs | 345.4545% | 813 |
| Earnings coverage of net charge-offs (x) | 59.8937% | 862 |
| Efficiency ratio | 70.5780% | 3,410 |
| Assets per employee ($millions) | 4.4820% | 3,007 |
| Cash dividends to net income (ytd only)* | 90.9817% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 5,042 |
| Loan loss allowance to noncurrent loans | 103.7643% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 2,784 |
| Noncurrent loans to loans | 0.9990% | 3,073 |
| Net loans and leases to total assets | 79.4406% | 782 |
| Net loans and leases to deposits | 90.3890% | 1,387 |
| Net loans and leases to core deposits | 94.2849% | 1,831 |
| Total domestic deposits to total assets | 87.8875% | 1,822 |
| Equity capital to assets | 8.9443% | 5,412 |
| Core capital (leverage) ratio | 9.0809% | 4,959 |
| Tier 1 risk-based capital ratio | 10.9269% | 6,028 |
| Total risk-based capital ratio | 11.9433% | 6,087 |
| Memoranda: | ||
| Average total assets | $71,803,000 | 5,289 |
| Average earning assets | $66,841,750 | 5,264 |
| Average equity | $6,668,750 | 5,539 |
| Average total loans | $58,762,500 | 4,562 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 1,440 |
| Cost of funding earning assets | 0.3918% | 3,969 |
| Net interest margin | 4.2421% | 1,148 |
| Noninterest income to average assets | 0.2644% | 5,312 |
| Noninterest expense to average assets | 3.1135% | 2,443 |
| Loan and lease loss provision to assets | 0.0512% | 3,281 |
| Net operating income to assets | 1.0407% | 2,158 |
| Return on assets (ROA) | 1.0407% | 2,222 |
| Pretax return on assets | 1.0407% | 3,318 |
| Return on Equity (ROE) | 11.0574% | 1,724 |
| Retained earnings to average equity (ytd only) | -4.3807% | 6,198 |
| Net charge-offs to loans | -0.0104% | 5,333 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2252% | 3,116 |
| Assets per employee ($millions) | 4.3693% | 3,138 |
| Cash dividends to net income (ytd only)* | 139.6175% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 5,033 |
| Loan loss allowance to noncurrent loans | 79.5944% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5173% | 2,146 |
| Noncurrent loans to loans | 1.3407% | 2,570 |
| Net loans and leases to total assets | 78.3812% | 862 |
| Net loans and leases to deposits | 89.2192% | 1,449 |
| Net loans and leases to core deposits | 93.1699% | 1,848 |
| Total domestic deposits to total assets | 87.8524% | 1,997 |
| Equity capital to assets | 8.9178% | 5,391 |
| Core capital (leverage) ratio | 9.5727% | 4,214 |
| Tier 1 risk-based capital ratio | 10.9002% | 6,091 |
| Total risk-based capital ratio | 11.9349% | 6,129 |
| Memoranda: | ||
| Average total assets | $70,339,330 | 5,381 |
| Average earning assets | $65,344,670 | 5,337 |
| Average equity | $6,620,000 | 5,579 |
| Average total loans | $57,962,330 | 4,616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,192 |
| Cost of funding earning assets | 0.3959% | 4,026 |
| Net interest margin | 4.3359% | 930 |
| Noninterest income to average assets | 0.3452% | 4,614 |
| Noninterest expense to average assets | 3.3933% | 1,720 |
| Loan and lease loss provision to assets | 0.0702% | 2,729 |
| Net operating income to assets | 0.9185% | 2,558 |
| Return on assets (ROA) | 0.9185% | 2,633 |
| Pretax return on assets | 0.9185% | 3,632 |
| Return on Equity (ROE) | 9.4893% | 2,253 |
| Retained earnings to average equity (ytd only) | -14.6872% | 6,464 |
| Net charge-offs to loans | -0.0209% | 5,378 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6355% | 2,705 |
| Assets per employee ($millions) | 4.0098% | 3,933 |
| Cash dividends to net income (ytd only)* | 254.7771% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,125 |
| Loan loss allowance to noncurrent loans | 120.7767% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 2,672 |
| Noncurrent loans to loans | 0.9096% | 3,607 |
| Net loans and leases to total assets | 82.1483% | 347 |
| Net loans and leases to deposits | 91.4567% | 996 |
| Net loans and leases to core deposits | 95.3758% | 1,438 |
| Total domestic deposits to total assets | 89.8221% | 1,170 |
| Equity capital to assets | 9.5413% | 4,443 |
| Core capital (leverage) ratio | 9.3863% | 4,444 |
| Tier 1 risk-based capital ratio | 11.4089% | 5,960 |
| Total risk-based capital ratio | 12.4976% | 5,991 |
| Memoranda: | ||
| Average total assets | $68,370,000 | 5,499 |
| Average earning assets | $63,655,000 | 5,450 |
| Average equity | $6,618,000 | 5,613 |
| Average total loans | $57,519,500 | 4,669 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 1,046 |
| Cost of funding earning assets | 0.4940% | 3,665 |
| Net interest margin | 4.4306% | 853 |
| Noninterest income to average assets | 0.7532% | 2,277 |
| Noninterest expense to average assets | 3.4800% | 1,703 |
| Loan and lease loss provision to assets | 0.1051% | 3,041 |
| Net operating income to assets | 1.2995% | 1,253 |
| Return on assets (ROA) | 1.2995% | 1,302 |
| Pretax return on assets | 1.2995% | 2,157 |
| Return on Equity (ROE) | 11.9850% | 1,422 |
| Retained earnings to average equity (ytd only) | -3.6521% | 6,306 |
| Net charge-offs to loans | 0.1993% | 2,877 |
| Credit loss provision to net charge-offs | 62.5000% | 3,489 |
| Earnings coverage of net charge-offs (x) | 8.3558% | 2,686 |
| Efficiency ratio | 70.7148% | 3,718 |
| Assets per employee ($millions) | 4.0337% | 3,795 |
| Cash dividends to net income (ytd only)* | 130.4726% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 5,379 |
| Loan loss allowance to noncurrent loans | 122.6263% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 2,856 |
| Noncurrent loans to loans | 0.8473% | 3,861 |
| Net loans and leases to total assets | 84.3072% | 235 |
| Net loans and leases to deposits | 99.2975% | 514 |
| Net loans and leases to core deposits | 100.6161% | 1,107 |
| Total domestic deposits to total assets | 84.9037% | 3,793 |
| Equity capital to assets | 9.8173% | 4,011 |
| Core capital (leverage) ratio | 9.7919% | 3,848 |
| Tier 1 risk-based capital ratio | 11.5246% | 5,893 |
| Total risk-based capital ratio | 12.5758% | 5,944 |
| Memoranda: | ||
| Average total assets | $61,868,000 | 5,709 |
| Average earning assets | $57,689,600 | 5,661 |
| Average equity | $6,708,400 | 5,644 |
| Average total loans | $52,172,600 | 4,881 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 970 |
| Cost of funding earning assets | 0.5160% | 3,613 |
| Net interest margin | 4.4700% | 770 |
| Noninterest income to average assets | 0.7243% | 2,488 |
| Noninterest expense to average assets | 3.4910% | 1,630 |
| Loan and lease loss provision to assets | 0.0775% | 3,508 |
| Net operating income to assets | 1.3202% | 1,295 |
| Return on assets (ROA) | 1.3202% | 1,353 |
| Pretax return on assets | 1.3202% | 2,261 |
| Return on Equity (ROE) | 11.8560% | 1,521 |
| Retained earnings to average equity (ytd only) | -9.0113% | 6,617 |
| Net charge-offs to loans | 0.2845% | 2,119 |
| Credit loss provision to net charge-offs | 32.4074% | 3,850 |
| Earnings coverage of net charge-offs (x) | 5.8424% | 3,095 |
| Efficiency ratio | 70.9560% | 3,613 |
| Assets per employee ($millions) | 3.8745% | 4,085 |
| Cash dividends to net income (ytd only)* | 176.0058% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 5,521 |
| Loan loss allowance to noncurrent loans | 106.3080% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 2,141 |
| Noncurrent loans to loans | 0.9895% | 3,833 |
| Net loans and leases to total assets | 81.8343% | 381 |
| Net loans and leases to deposits | 95.7576% | 709 |
| Net loans and leases to core deposits | 97.0734% | 1,306 |
| Total domestic deposits to total assets | 85.4599% | 3,516 |
| Equity capital to assets | 9.9460% | 3,976 |
| Core capital (leverage) ratio | 9.8488% | 3,894 |
| Tier 1 risk-based capital ratio | 11.8511% | 5,875 |
| Total risk-based capital ratio | 12.9055% | 5,937 |
| Memoranda: | ||
| Average total assets | $60,191,750 | 5,812 |
| Average earning assets | $56,076,500 | 5,761 |
| Average equity | $6,702,500 | 5,716 |
| Average total loans | $50,611,000 | 4,980 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 1,111 |
| Cost of funding earning assets | 0.5440% | 3,473 |
| Net interest margin | 4.3523% | 931 |
| Noninterest income to average assets | 0.9297% | 1,720 |
| Noninterest expense to average assets | 3.3345% | 1,982 |
| Loan and lease loss provision to assets | 0.0515% | 3,961 |
| Net operating income to assets | 1.6329% | 703 |
| Return on assets (ROA) | 1.6329% | 769 |
| Pretax return on assets | 1.6329% | 1,268 |
| Return on Equity (ROE) | 14.0974% | 992 |
| Retained earnings to average equity (ytd only) | -14.0678% | 6,743 |
| Net charge-offs to loans | 0.0122% | 4,620 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 163.6667% | 304 |
| Efficiency ratio | 66.1654% | 4,523 |
| Assets per employee ($millions) | 4.0926% | 3,597 |
| Cash dividends to net income (ytd only)* | 199.7899% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,056 |
| Loan loss allowance to noncurrent loans | 35.0000% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 3.9538% | 882 |
| Noncurrent loans to loans | 3.3917% | 1,259 |
| Net loans and leases to total assets | 83.6428% | 256 |
| Net loans and leases to deposits | 96.9158% | 612 |
| Net loans and leases to core deposits | 98.2422% | 1,190 |
| Total domestic deposits to total assets | 86.3046% | 3,202 |
| Equity capital to assets | 9.9722% | 3,955 |
| Core capital (leverage) ratio | 10.2671% | 3,142 |
| Tier 1 risk-based capital ratio | 11.6475% | 6,033 |
| Total risk-based capital ratio | 12.8429% | 6,016 |
| Memoranda: | ||
| Average total assets | $58,300,330 | 5,903 |
| Average earning assets | $54,776,000 | 5,833 |
| Average equity | $6,753,000 | 5,746 |
| Average total loans | $49,323,330 | 5,054 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 1,323 |
| Cost of funding earning assets | 0.5248% | 3,841 |
| Net interest margin | 4.2599% | 1,051 |
| Noninterest income to average assets | 0.2632% | 5,579 |
| Noninterest expense to average assets | 3.1439% | 2,530 |
| Loan and lease loss provision to assets | 0.1097% | 2,869 |
| Net operating income to assets | 1.0455% | 2,056 |
| Return on assets (ROA) | 1.0455% | 2,162 |
| Pretax return on assets | 1.0455% | 3,166 |
| Return on Equity (ROE) | 8.3327% | 2,799 |
| Retained earnings to average equity (ytd only) | -26.8628% | 6,884 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1293% | 3,423 |
| Assets per employee ($millions) | 4.1711% | 3,589 |
| Cash dividends to net income (ytd only)* | 422.3776% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,054 |
| Loan loss allowance to noncurrent loans | 35.1783% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 4.8373% | 761 |
| Noncurrent loans to loans | 4.0929% | 1,085 |
| Net loans and leases to total assets | 83.4464% | 214 |
| Net loans and leases to deposits | 97.2093% | 478 |
| Net loans and leases to core deposits | 97.2093% | 1,134 |
| Total domestic deposits to total assets | 85.8421% | 3,615 |
| Equity capital to assets | 12.2271% | 1,889 |
| Core capital (leverage) ratio | 12.0265% | 1,547 |
| Tier 1 risk-based capital ratio | 15.0565% | 3,796 |
| Total risk-based capital ratio | 16.3104% | 3,748 |
| Memoranda: | ||
| Average total assets | $54,709,500 | 6,055 |
| Average earning assets | $51,832,500 | 5,995 |
| Average equity | $6,864,500 | 5,774 |
| Average total loans | $46,270,500 | 5,211 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 775 |
| Cost of funding earning assets | 0.6720% | 3,719 |
| Net interest margin | 4.7202% | 629 |
| Noninterest income to average assets | 0.3991% | 4,616 |
| Noninterest expense to average assets | 2.9484% | 3,473 |
| Loan and lease loss provision to assets | 0.3170% | 2,155 |
| Net operating income to assets | 1.6269% | 721 |
| Return on assets (ROA) | 1.6269% | 794 |
| Pretax return on assets | 1.6269% | 1,314 |
| Return on Equity (ROE) | 12.5158% | 1,356 |
| Retained earnings to average equity (ytd only) | 4.7301% | 2,895 |
| Net charge-offs to loans | 0.2417% | 3,494 |
| Credit loss provision to net charge-offs | 156.6038% | 1,723 |
| Earnings coverage of net charge-offs (x) | 9.6038% | 2,253 |
| Efficiency ratio | 60.2654% | 5,501 |
| Assets per employee ($millions) | 4.2458% | 3,473 |
| Cash dividends to net income (ytd only)* | 62.2066% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,237 |
| Loan loss allowance to noncurrent loans | 199.3827% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.9350% | 2,528 |
| Noncurrent loans to loans | 0.6948% | 4,803 |
| Net loans and leases to total assets | 83.3155% | 254 |
| Net loans and leases to deposits | 104.1232% | 262 |
| Net loans and leases to core deposits | 104.1232% | 783 |
| Total domestic deposits to total assets | 80.0163% | 5,658 |
| Equity capital to assets | 12.8617% | 1,512 |
| Core capital (leverage) ratio | 12.8431% | 1,179 |
| Tier 1 risk-based capital ratio | 15.9549% | 3,187 |
| Total risk-based capital ratio | 17.2076% | 3,145 |
| Memoranda: | ||
| Average total assets | $52,368,200 | 6,140 |
| Average earning assets | $49,849,600 | 6,058 |
| Average equity | $6,807,400 | 5,815 |
| Average total loans | $43,856,200 | 5,336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 860 |
| Cost of funding earning assets | 0.7039% | 3,732 |
| Net interest margin | 4.6817% | 695 |
| Noninterest income to average assets | 0.4155% | 4,515 |
| Noninterest expense to average assets | 2.9886% | 3,269 |
| Loan and lease loss provision to assets | 0.2839% | 2,298 |
| Net operating income to assets | 1.6234% | 803 |
| Return on assets (ROA) | 1.6234% | 887 |
| Pretax return on assets | 1.6234% | 1,500 |
| Return on Equity (ROE) | 12.4530% | 1,484 |
| Retained earnings to average equity (ytd only) | 2.9499% | 4,789 |
| Net charge-offs to loans | 0.2595% | 3,169 |
| Credit loss provision to net charge-offs | 130.9524% | 2,198 |
| Earnings coverage of net charge-offs (x) | 8.7974% | 2,397 |
| Efficiency ratio | 61.0438% | 5,306 |
| Assets per employee ($millions) | 3.8604% | 4,175 |
| Cash dividends to net income (ytd only)* | 76.3107% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,809 |
| Loan loss allowance to noncurrent loans | 97.9200% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.9613% | 2,700 |
| Noncurrent loans to loans | 1.3296% | 3,811 |
| Net loans and leases to total assets | 85.8451% | 153 |
| Net loans and leases to deposits | 103.5094% | 298 |
| Net loans and leases to core deposits | 103.5094% | 894 |
| Total domestic deposits to total assets | 82.9346% | 4,661 |
| Equity capital to assets | 12.8097% | 1,702 |
| Core capital (leverage) ratio | 13.1286% | 1,139 |
| Tier 1 risk-based capital ratio | 15.5167% | 3,523 |
| Total risk-based capital ratio | 16.7159% | 3,516 |
| Memoranda: | ||
| Average total assets | $51,661,500 | 6,228 |
| Average earning assets | $49,440,000 | 6,139 |
| Average equity | $6,734,500 | 5,895 |
| Average total loans | $43,162,250 | 5,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 793 |
| Cost of funding earning assets | 0.7240% | 3,814 |
| Net interest margin | 4.7309% | 633 |
| Noninterest income to average assets | 0.4089% | 4,586 |
| Noninterest expense to average assets | 3.1455% | 2,763 |
| Loan and lease loss provision to assets | 0.1573% | 3,545 |
| Net operating income to assets | 1.6278% | 793 |
| Return on assets (ROA) | 1.6278% | 880 |
| Pretax return on assets | 1.6278% | 1,465 |
| Return on Equity (ROE) | 12.4107% | 1,530 |
| Retained earnings to average equity (ytd only) | -1.9785% | 6,359 |
| Net charge-offs to loans | 0.4011% | 2,421 |
| Credit loss provision to net charge-offs | 47.6190% | 4,092 |
| Earnings coverage of net charge-offs (x) | 5.4048% | 2,846 |
| Efficiency ratio | 63.7959% | 4,930 |
| Assets per employee ($millions) | 3.6734% | 4,583 |
| Cash dividends to net income (ytd only)* | 115.9420% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,017 |
| Loan loss allowance to noncurrent loans | 124.0275% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6956% | 3,176 |
| Noncurrent loans to loans | 1.0272% | 4,457 |
| Net loans and leases to total assets | 81.6731% | 358 |
| Net loans and leases to deposits | 99.6867% | 431 |
| Net loans and leases to core deposits | 103.2269% | 905 |
| Total domestic deposits to total assets | 81.9297% | 5,160 |
| Equity capital to assets | 13.0632% | 1,487 |
| Core capital (leverage) ratio | 13.4154% | 1,007 |
| Tier 1 risk-based capital ratio | 16.5732% | 2,871 |
| Total risk-based capital ratio | 17.8255% | 2,835 |
| Memoranda: | ||
| Average total assets | $50,867,000 | 6,297 |
| Average earning assets | $48,616,330 | 6,212 |
| Average equity | $6,671,670 | 5,939 |
| Average total loans | $41,880,670 | 5,519 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 604 |
| Cost of funding earning assets | 0.7732% | 3,677 |
| Net interest margin | 4.8446% | 517 |
| Noninterest income to average assets | 0.3400% | 5,135 |
| Noninterest expense to average assets | 3.2182% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7791% | 622 |
| Return on assets (ROA) | 1.7791% | 700 |
| Pretax return on assets | 1.7791% | 1,125 |
| Return on Equity (ROE) | 13.5369% | 1,288 |
| Retained earnings to average equity (ytd only) | -15.3418% | 6,982 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3987% | 4,853 |
| Assets per employee ($millions) | 3.8500% | 4,320 |
| Cash dividends to net income (ytd only)* | 213.3333% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,466 |
| Loan loss allowance to noncurrent loans | 104.4563% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 4,091 |
| Noncurrent loans to loans | 1.3697% | 4,061 |
| Net loans and leases to total assets | 80.6613% | 353 |
| Net loans and leases to deposits | 100.5780% | 351 |
| Net loans and leases to core deposits | 107.1133% | 637 |
| Total domestic deposits to total assets | 80.1978% | 5,805 |
| Equity capital to assets | 13.0350% | 1,425 |
| Core capital (leverage) ratio | 12.6945% | 1,242 |
| Tier 1 risk-based capital ratio | 16.8017% | 2,759 |
| Total risk-based capital ratio | 18.0485% | 2,719 |
| Memoranda: | ||
| Average total assets | $50,587,000 | 6,352 |
| Average earning assets | $48,631,500 | 6,253 |
| Average equity | $6,648,500 | 5,984 |
| Average total loans | $41,549,000 | 5,565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6706% | 829 |
| Cost of funding earning assets | 0.9500% | 3,723 |
| Net interest margin | 4.7207% | 719 |
| Noninterest income to average assets | 0.4323% | 4,358 |
| Noninterest expense to average assets | 3.2629% | 2,645 |
| Loan and lease loss provision to assets | 0.1291% | 4,999 |
| Net operating income to assets | 1.5615% | 729 |
| Return on assets (ROA) | 1.5615% | 784 |
| Pretax return on assets | 1.5615% | 1,306 |
| Return on Equity (ROE) | 13.0580% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.0580% | 220 |
| Net charge-offs to loans | 0.0158% | 6,217 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 253 |
| Efficiency ratio | 65.8706% | 4,797 |
| Assets per employee ($millions) | 3.9326% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 4,509 |
| Loan loss allowance to noncurrent loans | 103.3510% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2323% | 4,172 |
| Noncurrent loans to loans | 1.3455% | 4,127 |
| Net loans and leases to total assets | 81.2828% | 386 |
| Net loans and leases to deposits | 101.4898% | 395 |
| Net loans and leases to core deposits | 108.6661% | 668 |
| Total domestic deposits to total assets | 80.0896% | 5,719 |
| Equity capital to assets | 13.2482% | 1,383 |
| Core capital (leverage) ratio | 13.9168% | 846 |
| Tier 1 risk-based capital ratio | 16.4153% | 2,854 |
| Total risk-based capital ratio | 17.6656% | 2,826 |
| Memoranda: | ||
| Average total assets | $46,492,400 | 6,469 |
| Average earning assets | $44,527,600 | 6,375 |
| Average equity | $5,559,800 | 6,271 |
| Average total loans | $37,888,600 | 5,790 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 818 |
| Cost of funding earning assets | 1.0134% | 3,586 |
| Net interest margin | 4.7079% | 750 |
| Noninterest income to average assets | 0.4706% | 4,124 |
| Noninterest expense to average assets | 3.3939% | 2,201 |
| Loan and lease loss provision to assets | 0.0853% | 5,377 |
| Net operating income to assets | 1.4999% | 930 |
| Return on assets (ROA) | 1.4999% | 1,016 |
| Pretax return on assets | 1.4999% | 1,656 |
| Return on Equity (ROE) | 12.9360% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.9360% | 387 |
| Net charge-offs to loans | 0.0217% | 5,847 |
| Credit loss provision to net charge-offs | 483.3333% | 577 |
| Earnings coverage of net charge-offs (x) | 89.8313% | 399 |
| Efficiency ratio | 68.1630% | 4,286 |
| Assets per employee ($millions) | 3.4934% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,369 |
| Loan loss allowance to noncurrent loans | 155.0279% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 4,410 |
| Noncurrent loans to loans | 0.9293% | 5,022 |
| Net loans and leases to total assets | 83.6020% | 249 |
| Net loans and leases to deposits | 111.9178% | 158 |
| Net loans and leases to core deposits | 120.6297% | 372 |
| Total domestic deposits to total assets | 74.6994% | 6,680 |
| Equity capital to assets | 14.4779% | 1,000 |
| Core capital (leverage) ratio | 14.0431% | 893 |
| Tier 1 risk-based capital ratio | 17.2753% | 2,538 |
| Total risk-based capital ratio | 18.5281% | 2,497 |
| Memoranda: | ||
| Average total assets | $45,334,500 | 6,552 |
| Average earning assets | $43,415,500 | 6,464 |
| Average equity | $5,256,500 | 6,416 |
| Average total loans | $36,825,500 | 5,883 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 1,093 |
| Cost of funding earning assets | 1.0379% | 3,682 |
| Net interest margin | 4.5482% | 1,016 |
| Noninterest income to average assets | 0.5650% | 3,368 |
| Noninterest expense to average assets | 3.4740% | 2,052 |
| Loan and lease loss provision to assets | 0.1280% | 4,690 |
| Net operating income to assets | 1.3154% | 1,281 |
| Return on assets (ROA) | 1.3154% | 1,353 |
| Pretax return on assets | 1.3154% | 2,093 |
| Return on Equity (ROE) | 12.3728% | 1,390 |
| Retained earnings to average equity (ytd only) | 12.3728% | 474 |
| Net charge-offs to loans | 0.0386% | 5,311 |
| Credit loss provision to net charge-offs | 414.2857% | 728 |
| Earnings coverage of net charge-offs (x) | 46.7143% | 660 |
| Efficiency ratio | 70.6463% | 4,000 |
| Assets per employee ($millions) | 3.4867% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,148 |
| Loan loss allowance to noncurrent loans | 148.9247% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 4,452 |
| Noncurrent loans to loans | 1.0052% | 4,986 |
| Net loans and leases to total assets | 80.4267% | 495 |
| Net loans and leases to deposits | 103.0181% | 347 |
| Net loans and leases to core deposits | 120.9241% | 399 |
| Total domestic deposits to total assets | 78.0705% | 6,275 |
| Equity capital to assets | 11.0177% | 2,933 |
| Core capital (leverage) ratio | 10.6819% | 2,537 |
| Tier 1 risk-based capital ratio | 12.5131% | 5,333 |
| Total risk-based capital ratio | 13.7657% | 5,306 |
| Memoranda: | ||
| Average total assets | $45,308,000 | 6,617 |
| Average earning assets | $43,357,670 | 6,530 |
| Average equity | $4,817,000 | 6,592 |
| Average total loans | $36,260,000 | 5,961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 1,220 |
| Cost of funding earning assets | 1.0340% | 3,962 |
| Net interest margin | 4.4959% | 1,081 |
| Noninterest income to average assets | 1.2627% | 797 |
| Noninterest expense to average assets | 3.8942% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6689% | 601 |
| Return on assets (ROA) | 1.6689% | 638 |
| Pretax return on assets | 1.6689% | 1,040 |
| Return on Equity (ROE) | 15.9882% | 675 |
| Retained earnings to average equity (ytd only) | 15.9882% | 322 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 4,271 |
| Assets per employee ($millions) | 3.4992% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 4,315 |
| Loan loss allowance to noncurrent loans | 156.0117% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1497% | 4,638 |
| Noncurrent loans to loans | 0.9464% | 5,141 |
| Net loans and leases to total assets | 78.0413% | 719 |
| Net loans and leases to deposits | 99.3897% | 506 |
| Net loans and leases to core deposits | 109.9817% | 726 |
| Total domestic deposits to total assets | 78.5206% | 6,293 |
| Equity capital to assets | 10.6111% | 3,072 |
| Core capital (leverage) ratio | 10.4497% | 2,663 |
| Tier 1 risk-based capital ratio | 13.8765% | 4,153 |
| Total risk-based capital ratio | 15.0917% | 4,161 |
| Memoranda: | ||
| Average total assets | $45,298,500 | 6,658 |
| Average earning assets | $43,328,500 | 6,578 |
| Average equity | $4,728,500 | 6,641 |
| Average total loans | $35,885,500 | 6,029 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9776% | 883 |
| Cost of funding earning assets | 1.3059% | 3,846 |
| Net interest margin | 4.6717% | 868 |
| Noninterest income to average assets | 0.5464% | 3,844 |
| Noninterest expense to average assets | 3.9436% | 1,248 |
| Loan and lease loss provision to assets | 1.2919% | 1,193 |
| Net operating income to assets | -0.2501% | 6,165 |
| Return on assets (ROA) | -0.2501% | 6,220 |
| Pretax return on assets | -0.2501% | 6,125 |
| Return on Equity (ROE) | -2.2248% | 6,198 |
| Retained earnings to average equity (ytd only) | -5.7024% | 6,356 |
| Net charge-offs to loans | 1.0047% | 2,184 |
| Credit loss provision to net charge-offs | 152.8736% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.2328% | 4,871 |
| Efficiency ratio | 79.1038% | 2,523 |
| Assets per employee ($millions) | 3.4698% | 5,005 |
| Cash dividends to net income (ytd only)* | -156.3107% | 7,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,070 |
| Loan loss allowance to noncurrent loans | 199.2509% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 5,013 |
| Noncurrent loans to loans | 0.7471% | 5,551 |
| Net loans and leases to total assets | 78.0500% | 937 |
| Net loans and leases to deposits | 98.8433% | 652 |
| Net loans and leases to core deposits | 109.4102% | 955 |
| Total domestic deposits to total assets | 78.9634% | 6,088 |
| Equity capital to assets | 10.2645% | 3,427 |
| Core capital (leverage) ratio | 10.1465% | 2,931 |
| Tier 1 risk-based capital ratio | 12.9683% | 4,620 |
| Total risk-based capital ratio | 14.2210% | 4,593 |
| Memoranda: | ||
| Average total assets | $41,180,800 | 6,820 |
| Average earning assets | $39,129,600 | 6,755 |
| Average equity | $4,629,600 | 6,777 |
| Average total loans | $34,638,600 | 6,173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9960% | 945 |
| Cost of funding earning assets | 1.3402% | 3,971 |
| Net interest margin | 4.6558% | 931 |
| Noninterest income to average assets | 0.3483% | 5,386 |
| Noninterest expense to average assets | 3.9602% | 1,100 |
| Loan and lease loss provision to assets | 1.3831% | 981 |
| Net operating income to assets | -0.5705% | 6,648 |
| Return on assets (ROA) | -0.5705% | 6,696 |
| Pretax return on assets | -0.5705% | 6,598 |
| Return on Equity (ROE) | -4.9537% | 6,647 |
| Retained earnings to average equity (ytd only) | -9.5905% | 6,857 |
| Net charge-offs to loans | 1.0864% | 1,873 |
| Credit loss provision to net charge-offs | 148.9286% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.8750% | 5,171 |
| Efficiency ratio | 82.9743% | 1,949 |
| Assets per employee ($millions) | 3.2908% | 5,491 |
| Cash dividends to net income (ytd only)* | -93.6031% | 7,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,763 |
| Loan loss allowance to noncurrent loans | 96.8064% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 3,243 |
| Noncurrent loans to loans | 1.3822% | 4,552 |
| Net loans and leases to total assets | 83.5951% | 359 |
| Net loans and leases to deposits | 107.3837% | 311 |
| Net loans and leases to core deposits | 119.7535% | 618 |
| Total domestic deposits to total assets | 77.8471% | 6,286 |
| Equity capital to assets | 10.7784% | 3,195 |
| Core capital (leverage) ratio | 10.6719% | 2,531 |
| Tier 1 risk-based capital ratio | 12.6802% | 4,831 |
| Total risk-based capital ratio | 13.9320% | 4,814 |
| Memoranda: | ||
| Average total assets | $40,199,250 | 6,940 |
| Average earning assets | $38,202,500 | 6,870 |
| Average equity | $4,629,500 | 6,864 |
| Average total loans | $34,363,750 | 6,275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9260% | 1,123 |
| Cost of funding earning assets | 1.3424% | 4,238 |
| Net interest margin | 4.5835% | 1,032 |
| Noninterest income to average assets | 0.3000% | 5,753 |
| Noninterest expense to average assets | 4.2045% | 809 |
| Loan and lease loss provision to assets | 2.0895% | 589 |
| Net operating income to assets | -1.6371% | 7,200 |
| Return on assets (ROA) | -1.6371% | 7,210 |
| Pretax return on assets | -1.6371% | 7,123 |
| Return on Equity (ROE) | -13.8923% | 7,106 |
| Retained earnings to average equity (ytd only) | -20.8384% | 7,272 |
| Net charge-offs to loans | 1.2746% | 1,493 |
| Credit loss provision to net charge-offs | 191.1628% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.4140% | 5,308 |
| Efficiency ratio | 90.2838% | 1,311 |
| Assets per employee ($millions) | 2.9469% | 6,255 |
| Cash dividends to net income (ytd only)* | -50.0000% | 7,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,695 |
| Loan loss allowance to noncurrent loans | 97.1429% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 2.4384% | 2,951 |
| Noncurrent loans to loans | 1.5891% | 4,323 |
| Net loans and leases to total assets | 84.1017% | 344 |
| Net loans and leases to deposits | 108.6250% | 309 |
| Net loans and leases to core deposits | 122.8082% | 605 |
| Total domestic deposits to total assets | 77.4239% | 6,408 |
| Equity capital to assets | 10.7403% | 3,137 |
| Core capital (leverage) ratio | 10.6902% | 2,472 |
| Tier 1 risk-based capital ratio | 12.3972% | 4,949 |
| Total risk-based capital ratio | 13.5415% | 5,019 |
| Memoranda: | ||
| Average total assets | $39,339,000 | 7,017 |
| Average earning assets | $37,394,670 | 6,954 |
| Average equity | $4,635,670 | 6,892 |
| Average total loans | $33,736,000 | 6,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0251% | 929 |
| Cost of funding earning assets | 1.3474% | 4,517 |
| Net interest margin | 4.6777% | 821 |
| Noninterest income to average assets | 0.3022% | 5,735 |
| Noninterest expense to average assets | 4.1584% | 851 |
| Loan and lease loss provision to assets | 2.0427% | 540 |
| Net operating income to assets | -1.4487% | 7,312 |
| Return on assets (ROA) | -1.4487% | 7,325 |
| Pretax return on assets | -1.4487% | 7,244 |
| Return on Equity (ROE) | -11.7349% | 7,199 |
| Retained earnings to average equity (ytd only) | -25.3271% | 7,463 |
| Net charge-offs to loans | 0.4002% | 2,843 |
| Credit loss provision to net charge-offs | 593.9394% | 739 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 3,694 |
| Efficiency ratio | 87.5000% | 1,638 |
| Assets per employee ($millions) | 2.8099% | 6,624 |
| Cash dividends to net income (ytd only)* | -115.8273% | 7,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,733 |
| Loan loss allowance to noncurrent loans | 45.7475% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.8395% | 2,547 |
| Noncurrent loans to loans | 3.3527% | 2,385 |
| Net loans and leases to total assets | 83.3926% | 445 |
| Net loans and leases to deposits | 109.7781% | 296 |
| Net loans and leases to core deposits | 131.2357% | 460 |
| Total domestic deposits to total assets | 75.9647% | 6,764 |
| Equity capital to assets | 11.6529% | 2,264 |
| Core capital (leverage) ratio | 11.7368% | 1,782 |
| Tier 1 risk-based capital ratio | 13.9084% | 3,718 |
| Total risk-based capital ratio | 15.1620% | 3,676 |
| Memoranda: | ||
| Average total assets | $38,380,500 | 7,141 |
| Average earning assets | $36,514,000 | 7,079 |
| Average equity | $4,738,000 | 6,934 |
| Average total loans | $32,983,500 | 6,464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3964% | 836 |
| Cost of funding earning assets | 1.5035% | 5,500 |
| Net interest margin | 4.8930% | 571 |
| Noninterest income to average assets | 0.8911% | 1,979 |
| Noninterest expense to average assets | 4.5672% | 743 |
| Loan and lease loss provision to assets | 0.3167% | 4,918 |
| Net operating income to assets | 0.5340% | 3,595 |
| Return on assets (ROA) | 0.5340% | 3,690 |
| Pretax return on assets | 0.5340% | 4,098 |
| Return on Equity (ROE) | 3.5763% | 4,262 |
| Retained earnings to average equity (ytd only) | 3.5763% | 2,676 |
| Net charge-offs to loans | 0.0192% | 6,953 |
| Credit loss provision to net charge-offs | 2,040.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 54.8000% | 482 |
| Efficiency ratio | 84.2980% | 2,312 |
| Assets per employee ($millions) | 2.6731% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 6,062 |
| Loan loss allowance to noncurrent loans | 28.0645% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 3.3135% | 2,066 |
| Noncurrent loans to loans | 3.7977% | 1,969 |
| Net loans and leases to total assets | 86.3186% | 259 |
| Net loans and leases to deposits | 116.9932% | 214 |
| Net loans and leases to core deposits | 150.2186% | 502 |
| Total domestic deposits to total assets | 73.7808% | 7,049 |
| Equity capital to assets | 13.0722% | 1,485 |
| Core capital (leverage) ratio | 13.0373% | 1,240 |
| Tier 1 risk-based capital ratio | 15.1480% | 2,869 |
| Total risk-based capital ratio | 16.2303% | 2,900 |
| Memoranda: | ||
| Average total assets | $32,207,800 | 7,392 |
| Average earning assets | $29,797,800 | 7,368 |
| Average equity | $4,809,400 | 7,018 |
| Average total loans | $25,974,800 | 6,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4011% | 920 |
| Cost of funding earning assets | 1.5451% | 5,658 |
| Net interest margin | 4.8560% | 614 |
| Noninterest income to average assets | 1.0915% | 1,338 |
| Noninterest expense to average assets | 4.7544% | 589 |
| Loan and lease loss provision to assets | 0.2891% | 4,663 |
| Net operating income to assets | 0.5091% | 3,946 |
| Return on assets (ROA) | 0.5091% | 4,029 |
| Pretax return on assets | 0.5091% | 4,495 |
| Return on Equity (ROE) | 3.2854% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.2854% | 3,474 |
| Net charge-offs to loans | -0.0055% | 7,635 |
| Credit loss provision to net charge-offs | -6,700.0000% | 7,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6255% | 2,104 |
| Assets per employee ($millions) | 2.5337% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 6,018 |
| Loan loss allowance to noncurrent loans | 21.2101% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 4.2400% | 1,478 |
| Noncurrent loans to loans | 4.9401% | 1,354 |
| Net loans and leases to total assets | 84.9290% | 443 |
| Net loans and leases to deposits | 113.9841% | 327 |
| Net loans and leases to core deposits | 135.4830% | 1,128 |
| Total domestic deposits to total assets | 74.5095% | 6,863 |
| Equity capital to assets | 13.6840% | 1,423 |
| Core capital (leverage) ratio | 14.6623% | 923 |
| Tier 1 risk-based capital ratio | 16.1195% | 2,589 |
| Total risk-based capital ratio | 17.1870% | 2,586 |
| Memoranda: | ||
| Average total assets | $30,904,000 | 7,509 |
| Average earning assets | $28,390,250 | 7,485 |
| Average equity | $4,788,750 | 7,085 |
| Average total loans | $24,305,750 | 7,016 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4153% | 974 |
| Cost of funding earning assets | 1.6509% | 5,506 |
| Net interest margin | 4.7644% | 710 |
| Noninterest income to average assets | 1.4567% | 703 |
| Noninterest expense to average assets | 4.9896% | 517 |
| Loan and lease loss provision to assets | 0.1021% | 6,151 |
| Net operating income to assets | 0.6671% | 3,403 |
| Return on assets (ROA) | 0.6671% | 3,509 |
| Pretax return on assets | 0.6671% | 4,109 |
| Return on Equity (ROE) | 4.1116% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.1116% | 3,007 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6430% | 2,163 |
| Assets per employee ($millions) | 2.0927% | 7,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,535 |
| Loan loss allowance to noncurrent loans | 34.0153% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 2.6691% | 2,403 |
| Noncurrent loans to loans | 3.2609% | 2,176 |
| Net loans and leases to total assets | 80.9441% | 1,151 |
| Net loans and leases to deposits | 102.0527% | 1,067 |
| Net loans and leases to core deposits | 112.1171% | 3,124 |
| Total domestic deposits to total assets | 79.3160% | 5,714 |
| Equity capital to assets | 16.4380% | 763 |
| Core capital (leverage) ratio | 15.7222% | 783 |
| Tier 1 risk-based capital ratio | 19.4423% | 1,690 |
| Total risk-based capital ratio | 20.5204% | 1,682 |
| Memoranda: | ||
| Average total assets | $29,381,330 | 7,629 |
| Average earning assets | $26,530,330 | 7,617 |
| Average equity | $4,767,000 | 7,147 |
| Average total loans | $22,259,330 | 7,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5952% | 713 |
| Cost of funding earning assets | 1.7244% | 5,499 |
| Net interest margin | 4.8708% | 532 |
| Noninterest income to average assets | 0.5166% | 4,167 |
| Noninterest expense to average assets | 4.8669% | 528 |
| Loan and lease loss provision to assets | 0.1359% | 5,219 |
| Net operating income to assets | -0.1088% | 6,424 |
| Return on assets (ROA) | -0.1088% | 6,535 |
| Pretax return on assets | -0.1088% | 6,487 |
| Return on Equity (ROE) | -0.6747% | 6,492 |
| Retained earnings to average equity (ytd only) | -0.6747% | 5,806 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4444% | 1,158 |
| Assets per employee ($millions) | 2.0879% | 7,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,642 |
| Loan loss allowance to noncurrent loans | 40.2778% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 2.2168% | 2,579 |
| Noncurrent loans to loans | 3.0361% | 2,150 |
| Net loans and leases to total assets | 72.1221% | 3,217 |
| Net loans and leases to deposits | 90.5545% | 2,844 |
| Net loans and leases to core deposits | 98.9487% | 4,652 |
| Total domestic deposits to total assets | 79.6449% | 5,490 |
| Equity capital to assets | 16.1883% | 842 |
| Core capital (leverage) ratio | 15.8293% | 805 |
| Tier 1 risk-based capital ratio | 20.7649% | 1,481 |
| Total risk-based capital ratio | 21.9202% | 1,468 |
| Memoranda: | ||
| Average total assets | $29,423,000 | 7,670 |
| Average earning assets | $26,443,500 | 7,662 |
| Average equity | $4,742,500 | 7,208 |
| Average total loans | $21,398,500 | 7,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6854% | 2,080 |
| Cost of funding earning assets | 1.9794% | 6,474 |
| Net interest margin | 4.7060% | 956 |
| Noninterest income to average assets | 0.8192% | 2,405 |
| Noninterest expense to average assets | 5.4489% | 511 |
| Loan and lease loss provision to assets | 0.2084% | 4,812 |
| Net operating income to assets | -0.4388% | 6,866 |
| Return on assets (ROA) | -0.4388% | 6,742 |
| Pretax return on assets | -0.4388% | 6,588 |
| Return on Equity (ROE) | -2.4592% | 6,560 |
| Retained earnings to average equity (ytd only) | -2.4592% | 5,988 |
| Net charge-offs to loans | 0.1781% | 4,413 |
| Credit loss provision to net charge-offs | 158.3333% | 3,279 |
| Earnings coverage of net charge-offs (x) | -1.7500% | 6,693 |
| Efficiency ratio | 104.4149% | 857 |
| Assets per employee ($millions) | 2.1154% | 7,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 4,777 |
| Loan loss allowance to noncurrent loans | 49.6047% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 2,850 |
| Noncurrent loans to loans | 2.3585% | 2,333 |
| Net loans and leases to total assets | 71.5955% | 3,673 |
| Net loans and leases to deposits | 89.7292% | 3,500 |
| Net loans and leases to core deposits | 97.4313% | 5,106 |
| Total domestic deposits to total assets | 79.7906% | 5,105 |
| Equity capital to assets | 16.0493% | 921 |
| Core capital (leverage) ratio | 16.5242% | 758 |
| Tier 1 risk-based capital ratio | 19.2954% | 1,752 |
| Total risk-based capital ratio | 20.3260% | 1,752 |
| Memoranda: | ||
| Average total assets | $27,345,200 | 7,753 |
| Average earning assets | $25,563,000 | 7,712 |
| Average equity | $4,879,600 | 7,184 |
| Average total loans | $20,215,400 | 7,319 |